Umbrella insurance · Mt. Juliet, TN
Umbrella Insurance: Extra Liability Protection for Mt. Juliet Families
Your auto and home policies have liability limits. A personal umbrella can add another layer above them. I’ll help you decide whether it makes sense for you.
Dustin Rodgers and team
Local umbrella insurance help from our Mt. Juliet office
Your local agent
When ’enough’ liability might not be enough
Most people think about insurance in terms of their own house or car. Liability is about the other person: a serious wreck on I-40, a guest hurt at your pool, a tubing injury behind your boat. If you’re found responsible and the damages are larger than your policy limits, the difference can become your problem. A personal umbrella policy is designed to sit on top of your auto, home and other policies and add more liability coverage. It isn’t for everyone, and I’ll be straight with you about whether it fits.
Coverage
How a Personal Umbrella Policy Works
An umbrella doesn’t replace your other policies. It works with them. Here’s what it’s designed to do:
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Extra liability above your policies
Can help pay covered claims after your auto, home, boat or other underlying liability limits are used up, up to the umbrella limit.
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Legal defense
Can help with the cost of defending a covered lawsuit, which can be significant even when a claim has little merit.
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Coverage across your household
Can extend to family members in your household, depending on the policy.
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Some claims other policies may not cover
Some umbrellas address certain claims like libel, slander or false arrest, subject to their terms.
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Rentals and toys
Can sit over the liability on your rentals, boat, ATV or motorcycle when those policies meet the umbrella’s requirements.
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Coverage away from home
Many umbrellas apply when you travel, subject to the policy’s terms and exclusions.
An umbrella policy doesn’t cover damage to your own property, business activities or intentional acts, and requires specific underlying limits on your other policies. All coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Who Tends to Ask About an Umbrella
An umbrella can make sense for many households, not just wealthy ones. These are common reasons people ask me about it:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- A teenage driver in the household
- A pool, trampoline, dog or a home that hosts a lot of guests
- A boat, ATV, motorcycle or other toys
- One or more rental properties
- A home, retirement accounts or future income you want to protect
Around Mt. Juliet
Liability Questions Mt. Juliet Families Ask
Mt. Juliet life involves a lot of driving, from the daily run on I-40 and Mt. Juliet Rd to weekend trips around Middle Tennessee. Auto accidents are one of the most common reasons people look at more liability coverage.
Life between Old Hickory Lake and Percy Priest Lake also means boats, docks and towed water sports for many families, and plenty of backyards with pools and trampolines. Those are the kinds of situations where a guest’s injury could lead to a large claim.
An umbrella requires your other policies to carry certain minimum liability limits. Before you add one, we’ll check your auto, home, boat and rental policies so everything lines up without a gap.
Sources: NAIC: what’s an umbrella policy?
Underlying limits come first
Umbrella policies require your auto, home and other policies to carry specific liability limits. If one of them falls short, there may be a gap. We’ll check every policy before you add an umbrella.
Areas we serve
Areas I Serve
I work with families in Mt. Juliet, Hermitage, Lebanon, Gallatin, Hendersonville, Watertown and throughout Middle Tennessee.
Our office is in the Providence area, just off I-40 at Mt. Juliet Rd, so it’s an easy stop whether you’re coming from Lebanon Rd, Hermitage or the lake side of town.
I also work with neighbors just down the road: umbrella liability coverage in Hermitage, Lebanon umbrella liability coverage, umbrella insurance in Nashville and Gallatin umbrella insurance.
Why a local agent
Why Families Talk Through Umbrellas with a Local Agent
- Everything lined up: we check the underlying limits on every policy so there’s no gap.
- Honest advice: if an umbrella doesn’t fit your situation, I’ll tell you.
- All your policies in one view: auto, home, boat, rentals and toys reviewed together.
- Help after a claim: my office can help you understand the next steps.
- Local: on Providence Pkwy in Mt. Juliet, Monday through Friday.
Reviews
What Mt. Juliet Neighbors Say
Families and longtime neighbors have shared what it’s like to work with my office. Read their reviews on Google, or leave one of your own.
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
Mt. Juliet Umbrella Insurance FAQs
Updated
What is a personal umbrella policy?
It’s extra liability insurance that can help pay covered claims after the liability limits on your auto, home or other underlying policies are used up. It can also help with legal defense costs, subject to the policy’s terms.
Do I need an umbrella if I’m not wealthy?
Many people who carry umbrellas aren’t wealthy. A judgment can reach future wages and other assets, and certain situations, like a teen driver, a pool or a boat, can raise the chances of a large claim. Whether it makes sense depends on your situation.
What doesn’t an umbrella cover?
Umbrellas generally don’t cover damage to your own property, intentional acts, business activities or contractual liability, and each policy has its own exclusions. We’ll go over the wording for any policy you consider.
What are underlying limits?
They’re the minimum liability limits the umbrella requires on your auto, home and other policies. If your auto policy carries less than required, there could be a gap between it and the umbrella. We’ll check each policy so they line up.
Does an umbrella cover my teenage driver?
Umbrellas often extend to household members, including licensed teen drivers listed on your auto policy, though insurers have their own rules. Adding a teen driver is one of the most common reasons families ask about an umbrella.
Can an umbrella cover my boat, ATV or motorcycle?
It may, if those vehicles are insured on policies that meet the umbrella’s underlying requirements and they aren’t excluded. Some umbrellas limit certain watercraft or vehicles. Tell me everything you own so we can check.
Does an umbrella cover my rental property?
Many personal umbrellas can extend over the liability on residential rentals you own, subject to the number of units and the insurer’s guidelines. Commercial properties or businesses usually need a commercial umbrella instead.
Can I get an umbrella with a different company than my auto and home?
Sometimes, but it’s often simpler when the umbrella and the underlying policies are coordinated. Availability depends on the insurer and underwriting. We’ll look at what works for your situation.
What do I need to ask about an umbrella?
The declarations pages for your auto, home and any boat, motorcycle, ATV or rental property policies, plus a list of drivers in your household. Then call 615-562-5100 or use the form.
Ask About an Umbrella Policy
Call 615-562-5100 or use the form below. Have the declarations pages for your auto, home, and any boat, rental or motorcycle policies so we can check the underlying limits.
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