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Las Vegas, NV 89134

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Umbrella Insurance in Nevada


Have you ever wondered what would happen if a liability claim exceeded your auto, home, or boat insurance? Regrettably, any uncovered liability claim by your insurance remains your responsibility. As such, when your current liability coverages fall short, your assets will be at stake. However, the good news is that you can boost your typical liability insurance with umbrella insurance from Red Rock Insurance of Las Vegas, NV.

What is umbrella insurance?

Umbrella insurance is the extra liability protection that saves the day when your auto, boat, or home insurance runs out. Suppose you cause a significant car accident resulting in severe injuries to the other driver. Now, let’s assume your liability coverage is $100,000, but the medical costs accumulate to $150,000.

You may have to cough out the uncovered $50,000 medical expenses from your pocket without umbrella insurance. Worse yet, if the victim sues you for damages, you could be facing significant liability claims that could put you in a financial mess.

Simply put, umbrella insurance is like putting on a helmet when riding a bike. You may think you don’t need it, but you will thank the insurance gods you had it when an accident happens.

What does umbrella insurance cover?

Umbrella insurance covers injuries or property damage to other persons but not you. It covers the below:

  • Property damage
  • Bodily injury
  • Personal liabilities like false arrest, libel, and slander

Who needs umbrella insurance in Nevada?

If you have assets or earn a livelihood, you need umbrella insurance. However, people in the below categories are at high risk of being sued and, therefore, need to take umbrella insurance seriously. You need umbrella insurance if you:

  • Participate in dangerous hobbies like hunting or skiing
  • Own a home, boat, or vehicle
  • Coach youth sports
  • Own a pet that can bite
  • You or your family member have a social media presence
  • Own a business or have significant assets

Would you like to learn more about umbrella insurance? Please contact Red Rock Insurance for more information. If you would like to speak to one of our agents in person, you can come to our Las Vegas, NV offices for a chat.

Partner Carriers


  • Advantage Auto
  • Badger Mutual
  • Mercury
  • Progressive
  • Safeco
  • The Hartford
  • Travelers