Home & everyday life

Umbrella insurance in Tennessee

Look at liability across the whole household.

Illustration of a broad umbrella over a house and car, representing additional liability protection.

An umbrella conversation starts with your existing policies. Bring home or renters coverage, auto policies, and information about boats, properties, or other exposures so Richard Moore Insurance Agency can discuss the options available to your household.

What to discuss

A closer look at the coverage.

Underlying requirements

Ask which policies must be maintained and what minimum liability limits they need. Confirm the people and property included.

A wider view

Discuss vehicles, rental properties, watercraft, pets, and other activities. An umbrella may exclude risks that matter to your household.

Limits and exclusions

Review when the additional coverage begins, any retained limit, and the exclusions rather than assuming every liability claim is covered.

Come with questions

Ask before you decide.

Which underlying insurers and policy limits are acceptable?
Are all household drivers and properties accounted for?
Does this policy include or exclude the particular activity I am concerned about?

A useful starting point

What to have handy.

Current home, renters, auto, and watercraft declarations
Household driver and property information
Questions about personal versus business exposures

Please use the agency’s quote form for requested personal information. Avoid sending sensitive documents through ordinary email.

Keep the policy details in view

Personal umbrella coverage is not a replacement for required underlying insurance and generally should not be assumed to cover business liability. Coverage, eligibility, and terms differ by insurer.