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Larry Burkman Agency

4820 University Dr., Ste. 7
Huntsville, AL 35816

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Umbrella Insurance in Alabama


Since no one is above the law in Alabama, we’re all vulnerable to lawsuits that can easily exceed what your standard home or car insurance will pay. If you ever find yourself in such a situation, you may lose your savings, making you pretty unstable. However, you don’t have to get there when you can purchase umbrella insurance. If you’re unsure what this policy is about, the team at Larry Burkman Agency in Huntsville, AL, is ready to help you understand more about the policy to help you make the best decision.

What is Umbrella Insurance?

Also called excess liability coverage, personal umbrella insurance is a personal liability insurance designed to cover claims beyond the limits of your regular insurance policy. That means if you have a home, boat, or auto insurance, an umbrella can help top up the liability cost in all of them in case they’re inadequate to cover all losses. While it’s personal insurance, umbrella insurance covers other family and household members.

How Does Umbrella Insurance Work?

Umbrella insurance helps you protect your assets and future by providing coverage when your liability limits are reached. It also covers claims excluded in other policies, such as slander, libel, false arrest, and detention. It’s important to understand that you cannot use umbrella insurance if you don’t have primary policies like home, boat, or car insurance. That’s because the policy can only come in if the liability limits of these policies are reached.

What Does Umbrella Insurance Cover?

Umbrella insurance generally covers all liabilities beyond the limits of your other policies. The policy may provide liability coverage for the following:

  • Injuries
  • Property damage
  • Specific lawsuits such as defamation, slander, libel, and privacy invasion
  • Personal liability situations

By now, you probably know the importance of buying umbrella insurance in Huntsville, AL. To get the policy or learn more about it, you can contact us at Larry Burkman Agency, and our team of experts will be happy to help.

Partner Carriers


  • ASI
  • Foremost
  • National General
  • Orion
  • Progressive
  • Safeco
  • Safeway
  • The Hartford
  • Travelers
  • Universal