An Extra Layer of Protection Over Everything You Own
A personal umbrella policy adds $1 million or more of liability coverage on top of your existing auto and home insurance. If you’re sued after a serious car accident, a dog bite, or an injury on your property and the judgment exceeds your underlying policy limits, your umbrella pays the difference — including legal defense costs. For most Spokane households, a $1 million umbrella costs roughly $150–$300 per year, according to the Insurance Information Institute.
Boyd Insurance Brokerage has helped Spokane families protect what they’ve built since 1996. As independent agents representing you — not the insurance company — we quote umbrella coverage from 150+ carriers and stack it correctly over your existing policies so there are no gaps between where your auto or home coverage ends and your umbrella begins.
Quotes from 150+ Carriers
Why Spokane Households Are Underinsured Without One
Run the numbers on what a standard policy actually covers versus what a serious claim costs:
- Washington’s minimum auto liability limits are 25/50/10 — $25,000 per injured person, $50,000 per accident, $10,000 in property damage (RCW 46.30.020). One serious collision on I-90 or Division can exceed those limits before the ambulance bill is paid. Even if you carry 250/500, a multi-vehicle accident with lasting injuries can blow past it.
- Washington drivers are among the most likely in the nation to be uninsured or underinsured. The Insurance Research Council found that one in three U.S. drivers was uninsured or underinsured in 2023 — and Washington saw the largest rise in uninsured driving of any state from 2020 to 2023. Many umbrella policies can extend uninsured/underinsured motorist protection above your auto limits.
- The median home in Spokane County is worth $410,700 (U.S. Census Bureau, 2024 ACS). Home equity, retirement savings, and future wages are all reachable in a judgment. If you own more than your liability limits, the gap is your personal exposure.
- The average dog-related liability claim hit $65,450 in 2025, and insurers paid $1.86 billion in dog claims nationwide (Insurance Information Institute). A severe incident involving a child can settle for several times that — beyond most homeowners liability limits.
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What a Personal Umbrella Policy Covers
Your umbrella sits above your underlying policies and responds when their limits are exhausted:
Bodily Injury Liability — Serious injuries you cause in an auto accident, injuries to guests on your property, dog bites, and incidents involving your boat, motorcycle, RV, or other recreational vehicles, when scheduled on the policy.
Property Damage Liability — Damage you cause to other people’s vehicles, homes, or belongings beyond your underlying limits.
Personal Injury Claims — Most umbrellas add coverage standard policies don’t include at all: libel, slander, defamation, false arrest, and malicious prosecution. A social media post or online review can trigger a lawsuit your homeowners policy won’t touch.
Legal Defense Costs — Attorney fees and court costs, often paid in addition to the policy limit. Even a lawsuit you win can cost tens of thousands to defend.
Rental Property Liability — If you own rentals in Spokane, an umbrella can sit over your landlord insurance for tenant and guest injury claims.
Local & Family Owned
We are a medium-sized insurance brokerage that was established in 1996. As Independent Agents, we represent you, the CLIENT. Although we write all types of insurance, we specialize in auto and home insurance in the Northwest.
• Integrity • Excellent Service • Quality
How It Works: A Spokane Example
Say you’re at fault in an accident on Highway 195 and the injured driver wins a $900,000 judgment. Your auto policy carries a $250,000 bodily injury limit. Your auto insurer pays its $250,000 — and without an umbrella, the remaining $650,000 comes from your savings, your home equity, and potentially garnished wages for years. With a $1 million umbrella, the policy pays that $650,000 and your assets stay yours.
What Umbrella Insurance Costs in Washington
Umbrella coverage is one of the cheapest lines of insurance per dollar of protection. The Insurance Information Institute puts a $1 million policy at roughly $150–$300 per year, with each additional $1 million costing significantly less. Carriers require minimum underlying limits to qualify — commonly $250,000/$500,000 on auto and $300,000 on homeowners liability. When we quote your umbrella, we review your auto and home limits at the same time so everything qualifies and stacks without gaps. Bundling all three often costs less than you’d expect.
Who Should Carry an Umbrella in Spokane
You don’t need to be wealthy — you need to have something to lose or a way to lose it:
- Homeowners with equity (at Spokane County’s median value, that’s most homeowners)
- Anyone with teen drivers on their auto policy
- Dog owners — see also our pet liability coverage
- Landlords and short-term rental hosts
- Boat, RV, snowmobile, and motorcycle owners
- Households with pools, trampolines, or frequent guests
- Anyone with retirement savings or future earnings a judgment could reach
Local & Family Owned
We are a medium-sized insurance brokerage established in 1996. As Independent Agents, we represent you, the CLIENT. Our office is at 103 E Sprague Ave Ste 102 in downtown Spokane — call (509) 340-2693 or contact us for a free umbrella quote. Most quotes take one short phone call.
A few questions away from saving up to 40% on your insurance.
FAQ
How much umbrella insurance do I need? A common starting point is enough to cover your net worth plus a cushion for future earnings — for many Spokane homeowners that means $1–$2 million. We’ll walk through your assets, drivers, pets, and properties and recommend a limit, not just a price.
Does an umbrella policy cover my whole household? Generally yes — you, your spouse, and resident relatives, including teen drivers, are typically covered under one policy. That’s a major reason families with young drivers buy umbrellas.
Do I have to have my auto and home insurance with the same company as my umbrella? Not always. Some carriers require it; others write standalone umbrellas over outside policies. As a brokerage with 150+ carriers, we can quote it both ways and show you which is cheaper.
Does umbrella insurance cover uninsured drivers who hit me? It can. Excess uninsured/underinsured motorist coverage is available on many umbrella policies as an add-on — worth serious consideration in Washington, which has one of the highest uninsured-driver rates in the country.
What does a personal umbrella NOT cover? Your own injuries or property, intentional acts, and business activities. If you run a business — even from home — you need commercial coverage for that exposure; a personal umbrella won’t respond.
Will an umbrella policy cover my rental property in Spokane? Usually yes, if the rental is scheduled on the policy and you carry the required underlying landlord liability limits. Tell us about every property when we quote so nothing is left off.