Find Umbrella Insurance from The Horton Group | Orland Park

Horton Group is an award-winning personal umbrella insurance broker with multiple office locations in Indiana, Illinois, Minnesota, Michigan, and Wisconsin. Our entire team is dedicated to helping clients get the best levels of personal insurance for their individual needs. 

We offer a range of risk-reducing solutions for clients across the country, and we’re here to help you find and secure the best umbrella coverage, at the right price for you. Our online platform gives you access to a range of online account management services and is designed to make dealing with your personal insurance easy and hassle-free.

Horton Group are a leading provider of Personal Umbrella Insurance 

The protection of your loved ones and your assets is a major priority for most households. Essentially, this is why people have insurance. Buying Personal Umbrella coverage is a quick, easy, and affordable way to get additional liability insurance above and beyond the standard limits of your underlying insurance policies, for instance, your homeowners or auto coverage. 

What does a personal Umbrella insurance policy cover?

Personal Umbrella Insurance is designed to help protect you from a sizeable and potentially devastating claim. It will only ‘activate’ or ‘come into effect’ once the limits on your underlying liability policies have been reached or maxed out. 

Umbrella insurance will typically cover:

  • Personal Injury
  • Property Damage
  • Bodily Injury
  • Landlord Liability 

Umbrella Insurance will not typically cover:

  • Business losses
  • Personal belongings 
  • Oral or written contracts
  • Criminal or intentional acts or omissions

Who Should Buy Personal Umbrella Insurance?

Almost anyone can benefit from buying personal umbrella coverage. Accidents resulting in high liability costs can happen to anybody at any time. Having this coverage in place will prevent you from having to pay out a substantially large amount of money for another person’s legal bills or medical expenses if you’re found to be liable. It could be something as straightforward as a person being injured while playing in your yard, or you being found to be at fault for a driving accident that causes an injury to another person. 

Having Umbrella Insurance can help you to cover any resultant expenses in instances like this. Another appealing aspect of this coverage is that it may also extend to other household members, such as your children or your spouse. 

If you have any questions about what is and is not covered by a personal umbrella insurance policy, then you can talk to one of the personal lines team at Horton Group. We’re always happy to help confirm or clarity information that’s needed, and we can also offer a quick quotation for personal umbrella coverage for your household as well.  

Choose Horton Group for your Personal Umbrella Insurance

Horton Group has a proven reputation for delivering outstanding client services and claim support. 

  • Great client support 
  • Tailored insurance packages 
  • Competitive umbrella insurance prices 
  • Trusted broker with a superb record
  • Friendly professional team of experts

Is Personal Umbrella Insurance and Excess Liability Coverage the same thing?

We get asked this question a lot. Although some people refer to excess liability coverage and umbrella insurance interchangeably, the two are, in fact, different types of insurance. 

Personal Umbrella Insurance will usually offer a greater level of liability coverage for things that are covered by any underlying policies, along with protection for other additional risks. For instance, Personal Umbrella Insurance could help you pay for a slander or libel judgment, whereas a standard homeowner’s insurance policy will not. However, excess liability coverage will only cover the same risks as you have on your existing, underlying policies. 

So, while it’s true that personal umbrella and excess liability coverage do have similarities, they are not the same type of insurance policy. It’s also important to note that while some insurers will offer both types of coverage, there are some who do not offer excess liability as part of their portfolio. 

If you have any questions about Personal Umbrella Insurance, or you would like a quote, please contact a member of our friendly team today. 


Aside from offering personal umbrella insurance, Horton Group also provides personal lines coverage for:

Companies Represented

The Horton Group | Orland Park Agents

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