Umbrella Insurance
Extra liability protection above your home and auto limits.
“Umbrella coverage is peace of mind for the what-ifs. It is the extra layer that stands between one bad accident and everything you have worked for.”
What is umbrella insurance?
Absolute Insurance Agency is an independent agency in Clive, Iowa that helps clients across the Des Moines metro protect their assets with personal umbrella insurance. An umbrella policy adds liability coverage above the limits on your home, auto, boat, and motorcycle policies, and can also help with legal fees.
How does umbrella insurance work?
Umbrella insurance pays the difference when a claim exceeds your underlying limits. For example, if you carry $250,000 of auto liability and cause an accident with $500,000 in injuries, your umbrella policy can cover the remaining $250,000. The same applies to a dog-bite claim above your home liability or a boating injury above your watercraft limit.
Who needs umbrella insurance?
Consider a policy through Absolute Insurance if you own a home, have significant assets, own pets, own a boat, motorcycle, RV, or snowmobile, have a pool, or host gatherings where you serve alcohol. The more you have to protect, the more an umbrella policy is worth.
How do I get a umbrella insurance quote?
Request a free quote online, call 515-279-2722, or email service@insaia.com. An Absolute Insurance agent in Clive, Iowa will compare options across our carriers and recommend the right coverage. Most quotes take only a short conversation.
Frequently asked questions
Absolute Insurance is an independent agency in Clive, Iowa that writes personal umbrella coverage from 1 million to 5 million dollars. As an independent agency, we compare umbrella options across many carriers to fit your assets and budget.
Absolute Insurance bundles home, auto, and umbrella coverage as an independent agency, comparing many carriers and offering package pricing when you combine policies.
If your assets or income exceed the liability limits on your home and auto policies, umbrella insurance adds a layer of protection against lawsuits and large claims. An Absolute Insurance agent can help you decide how much you need.