Extra Protection for Life’s Unexpected Moments

Standard insurance policies protect you up to a limit—but what happens if life pushes past it? At The Catawba River Insurance Group, we help individuals and families across Hickory, Charlotte, Lenoir, Blowing Rock, and the greater Carolinas stay fully protected with personal umbrella insurance. It’s affordable, flexible, and essential when you need extra peace of mind.

Get a Quote For Umbrella Insurance

What Is Umbrella Insurance?

Umbrella insurance adds an extra layer of liability protection beyond the limits of your auto, homeowners, or rental property insurance. It's designed to kick in when underlying policies are exhausted—saving your assets, savings, and future income.

  • Extends coverage limits beyond home, auto, or boat insurance
  • Protects against personal injury claims, libel, slander, and more
  • Covers legal defense costs in major lawsuits
  • Provides affordable, high-limit protection

Who Should Consider Umbrella Insurance?

Umbrella policies aren’t just for the wealthy. If you own a home, drive a car, manage rental property, or simply want stronger financial security, umbrella insurance is a smart investment.

  • Homeowners and rental property owners
  • High-net-worth individuals and business owners
  • Families with teen drivers
  • Anyone seeking extra protection for assets and future income

Serving North Carolina with Smart, Affordable Umbrella Insurance Solutions

Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond

Common Situations Where Umbrella Insurance Helps

A black and white icon of a clipboard with numbers on it.
A judge 's gavel is sitting next to a piece of paper with a check mark on it.
A black and white drawing of a hand pointing at a check box.
A black and white drawing of a car with a shield on top of it.

Major Auto Accidents
 Covers damages when injuries exceed your auto insurance limits.

Injuries on Your Property
 Extra liability protection if someone is seriously hurt on your premises.

Personal Lawsuits
 Protection against claims of defamation, libel, or slander.

Rental Property Risks
 Added protection for landlords managing tenant-occupied properties.

In today’s world, lawsuits and claims can happen fast—and get expensive. Umbrella insurance gives you the extra security to move forward with confidence.

FAQs

  • How much umbrella insurance coverage should I have?

    Many start with $1 million in coverage, but higher limits are available depending on your needs and assets.

  • Is umbrella insurance expensive?

    Not at all—it's often one of the most affordable types of insurance, with high-value protection for a modest annual premium.

  • Does umbrella insurance cover personal injury claims?

    Yes—most policies cover bodily injury, property damage, and personal injury claims like libel and slander.

  • Do I need to have home and auto insurance with the same carrier?

    Typically, yes. Most insurers require that your primary policies (home, auto) be bundled to qualify for umbrella coverage.

Add an Extra Layer of Confidence with The CRIG