In Connecticut, where high home values, busy roadways, and a strong boating culture increase liability risks, a personal umbrella policy offers critical extra protection. If a claim exceeds your home, auto, or watercraft policy limits, umbrella insurance steps in to help safeguard your assets.

To qualify, you’ll need specific coverage limits on your existing policies. Your Bearingstar Insurance agent can guide you through the eligibility requirements and help determine the right coverage for your needs.

How much coverage do you need?

Many Connecticut residents start with $1 million in umbrella coverage, but liability claims—especially in high-risk areas—can escalate quickly. Whether it’s a serious car accident, a slip-and-fall on your property, or a boating incident on Long Island Sound, having the right amount of coverage is essential.

Use our Connecticut Umbrella Insurance Calculator to estimate how much protection makes sense for you. Please note: This calculator is for demonstration purposes only and does not store or retain any personal information.

How can Bearingstar help you?

Choosing the right umbrella coverage can feel overwhelming, but you don’t have to do it alone. The Bearingstar team is here to help you navigate your options and ensure you have the right level of protection for your home, auto, and other assets—whether you’re in Connecticut or Massachusetts.

If you have questions or want to review your current policies, we’re happy to assist. Contact a Connecticut team member at 888-519-9996 or a Massachusetts team member at 877-801-7424. We look forward to helping you safeguard what matters most.