Umbrella insurance · Lebanon, TN
Umbrella Insurance in Lebanon, TN
An umbrella policy adds liability protection above your home and auto. I’ll help you see whether it fits and how it works with what you have.
Dustin Rodgers and team
Serving Lebanon from our Mt. Juliet office
Your local agent
Extra liability protection for your household
Most people never think about liability until something goes wrong: a serious car accident, a guest hurt at a backyard cookout, a teen driver’s first fender bender. A personal umbrella can add a layer of liability coverage above your home, auto and other policies.
Coverage
What can an umbrella policy help with?
An umbrella sits on top of your other policies and may help when their liability limits run out.
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Bodily injury
Can help when you’re found responsible for someone else’s injuries above your underlying limits.
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Property damage
Can help when you damage someone else’s property beyond what your other policies pay.
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Some claims others exclude
Some umbrellas cover certain claims, like libel or slander, that underlying policies don’t. Ask about yours.
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Legal defense
Many umbrellas include defense costs for covered claims.
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Teen and household drivers
Can add liability protection that extends to household drivers.
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Rentals and toys
Boats, ATVs and rental homes can affect how an umbrella is set up.
Umbrellas usually require certain liability limits on your home and auto first. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Things that shape an umbrella
An umbrella is usually set up to fit with your other policies.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Underlying liability limits on home and auto
- Household drivers
- Boats, ATVs and other toys
- Rental properties
- Pools, trampolines and dogs
Around Lebanon
Liability questions we hear in Lebanon
Around Lebanon, a lot of households have a mix of drivers, a boat or ATV, maybe acreage or a rental property. Each one adds a little liability exposure.
If you’re not sure whether an umbrella fits, our guide on how much umbrella coverage you might need is a good starting point.
Sources: NAIC: what’s an umbrella policy?
Check your underlying limits
An umbrella usually requires certain liability limits on your home and auto. We’ll review those first.
Areas we serve
Areas I Serve
I work with families in Lebanon, Watertown, Mt. Juliet and across Wilson County, plus Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, a short drive west of Lebanon on I-40, so it’s easy to stop in or handle things by phone.
Not in Lebanon? I help with umbrella insurance in nearby towns too: umbrella insurance in Watertown and Hermitage umbrella insurance.
Why a local agent
Why work with a local agent?
- One local office: You call 615-562-5100 and talk with someone on Providence Pkwy, not a call center.
- Plain answers: We’ll explain what a coverage does and doesn’t do before you decide anything.
- Help when something happens: If you have a claim, we can walk you through the first steps and who to call.
- Serving Middle Tennessee since 2011: We’ve been helping neighbors in Wilson, Davidson and Sumner counties for years.
Reviews
What Lebanon Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Lebanon Umbrella Insurance FAQs
Updated
What is umbrella insurance?
It’s extra liability coverage that sits above your home, auto and some other policies, and may help when their limits run out.
Who should think about an umbrella?
People with teen drivers, a pool, a boat or ATV, rental property, or savings they want to protect often ask about one.
Does an umbrella cover my own injuries or property?
No. An umbrella is liability coverage for harm you cause to others.
Do I need certain limits on my home and auto first?
Usually, yes. The umbrella will list required underlying limits. We’ll check yours.
How much umbrella coverage do I need?
It depends on your household and what you want to protect. Our guide walks through the questions to ask.
Does it cover my rental property?
It may, if the rental’s liability coverage meets the requirements. Tell us about every property.
Does it cover my boat or ATV?
It may, if the underlying policy is in place. List all your vehicles and toys.
Do you work with Lebanon families from Mt. Juliet?
Yes. Lebanon is a short drive down I-40 from our office.
What do I need for a quote?
Your current home, auto and other policies, household drivers, and any boats, ATVs or rentals.
Get an umbrella quote
Tell us about your household and current policies, and we’ll follow up, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about umbrella insurance or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed