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Mountain West Insurance, Inc.

9035 S 1300 E B110,
Sandy, UT 84094

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Utah umbrella insurance coverage

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Umbrella Insurance in Utah

Protecting your family and assets by purchasing insurance coverage is an investment worth making. Umbrella Insurance helps protect you from potentially massive and devastating liability claims and judgments. A personal umbrella insurance policy is designed to offer additional liability coverage over and above other insurance policies. It can help you protect your car, home, property, investments, and future incomes. Mountain West Insurance Inc. in Sandy, UT can work with you to protect your assets from a major tragedy.

An umbrella policy in most cases provides additional coverage for situations such as;

Body injuries and property damage

  • Damage to other people's property is covered only in accidents that exceed your auto liability coverage limit and for losses on personal property that exceed your homeowner's liability limit.
  • Bodily injury is covered in the event of an accident on private property exceeding your homeowner's liability limit.

Lawsuits and legal costs

Lawsuits and legal fees arising from invasion of privacy, slander, defamation of character, and libel are covered for under a personal umbrella policy.

Unforeseen situations

These include events such as car accidents in other states or countries and significant catastrophes that exceed your standard policy limits.

An umbrella policy doesn't cover the following;

Personal property

If you are at fault for damaging someone else's property, a personal umbrella policy covers the damages. However, if you destroy your private property, the coverage doesn't apply. The umbrella insurance policy only kicks in when other policies are exhausted.

Business losses

Losses arising from your Utah business operations and property damage aren't covered. Also, liabilities such as business malpractices and lawsuits stemming from it aren't included.

Criminal and intentional actions

A personal umbrella policy doesn't protect you from consequences of intentional harmful and illegal behavior.


A personal umbrella insurance doesn't protect you from liability arising from an oral or written contract you enter into therefore lawsuits involving people hired to work on your property cannot be covered.

To have your questions about personal umbrella insurance answered, visit or call Mountain West Insurance Inc. in Sandy, UT. We write policies for Utah and the surrounding states, so don't be afraid to reach out if you are looking for a policy.

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