Personal Umbrella Insurance

Protection for you and your family

At WebFirst Insurance, LLC we understand that you’ve worked hard to own your home, vehicles, and earn retirement savings. However, life can throw a few curve balls and suddenly everything you’ve worked for could be a risk for legal liability claims.

That’s why we offer personal umbrella insurance to provide the coverage you need to protect you and your family when you need it most.

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What is personal umbrella insurance?

Personal Umbrella Insurance is a type of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage. Umbrella insurance also covers certain liability claims that other insurance policies may not, such as libel, slander, and false imprisonment.

How does an umbrella policy work?

Personal Umbrella Insurance covers not only the policyholder, but also other members of their family or household. While umbrella insurance acts as an extension of homeowners and/or auto insurance, the incident doesn’t have to involve your property or your vehicle for it to be covered. With the exception of homes and cars you own under other countries’ laws, you are covered worldwide, no matter where you go.

Should I purchase personal umbrella insurance?

In short, personal umbrella insurance should be purchased on a case-by-case basis. Your assets may outnumber the amount that your insurance policy covers, but that doesn’t mean you should immediately look into personal umbrella insurance.

Take a look at what extra liabilities could be sitting around your home, or if you or your family members are involved in riskier or liable activities. It may be a good idea to purchase personal umbrella insurance if there is a greater opportunity for risk and liability, in order to protect your assets from being taken in a lawsuit.

What happens when you contact our agents?

You request a quote

You will be asked to provide the basic required information for a quote to one of our insurance agents. This information would be your name, all properties (including secondary homes and rentals), all household vehicles, recreational vehicles, motorcycles, and all household drivers. We will reach out directly for more information once you request a quote.

Verifying coverages

We will verify your needs for your insurance policy. This is so that we can provide you with the best insurance in Massachusetts that caters to your needs.

We write up a quote

Based on the information that you provide to our agents, we will write up a quote for you, and contact you with several differently priced options, to see what fits your budget. We work with many carriers, so finding you the right coverage at the most affordable price is the name of our game.

Signing the contract

If you like the terms and the price, the insurance agent sends over an application. The customer fills out the application, and sends in a down payment on the policy.

Get a quote

By representing different insurance companies WebFirst Insurance, LLC can shop for the most affordable insurance plan for your needs. Our exclusive Rating system can deliver an insurance rate comparison in a matter of minutes. Let WebFirst Insurance, LLC provide you with competitive quotes and the best personal umbrella insurance in Massachusetts.

To get a quote, click the “Get Started” button below or call us at (800) 957-1455. Our agents are available Monday – Friday from 8:00 am – 4:30 pm.

Terms you should know


the amount of money you pay for your insurance policy


the out-of-pocket expense that you are required to pay before your insurer will cover your claim


the cost of your unit of insurance


a third party service that holds your money until the money is ready to be released


when a person doesn’t exercise reasonable care in a given situation