Umbrella Insurance
in Nevada

Extra coverage to help protect against the unexpected.

Aerial view over Las Vegas close to sunset at twilight. Las Vegas, Nevada, USA

Nevada Umbrella Insurance

In Nevada, the unexpected can happen anywhere: on the busy Las Vegas Strip, in Reno’s crowded neighborhoods, or on the open highways that stretch across the state. Your home or auto insurance covers the basics, but it might not be enough if you’re hit with medical costs, property damage, or a lawsuit that goes beyond standard limits.

Umbrella insurance helps fill that gap. It adds extra liability protection to your existing coverage, helping protect your savings and future.  

Get umbrella insurance from Mercury for under $1 a day and get peace of mind across the Silver State, from Henderson to Carson City and everywhere in between.

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What Does Umbrella Insurance Cover in Nevada?

Umbrella insurance is extra liability coverage that goes beyond the limits of your auto, homeowners, renters, or condo policy. It’s a safety net that steps in when your primary policy runs out, helping cover costs that you may have to pay out of pocket.

Here’s what it can cover in Nevada:

  • Bodily injury liability: This provides extra protection if someone is injured in an accident you cause, such as covering medical bills, rehabilitation costs, and lost wages.
  • Property damage liability: This helps pay for property damage you’re responsible for, such as repairs to vehicles, homes, or other personal belongings.
  • Legal costs: If you’re sued, your umbrella policy can help cover attorney fees and court expenses, even if the case isn’t decided in your favor.
  • Personal liability: This offers protection for situations like libel, slander, or accidental damage that happens while traveling.

What Does Umbrella Insurance Not Cover?

Umbrella insurance provides broad protection, but it doesn’t cover everything.

Here’s what it does not cover:

  • Your own property damage: Umbrella insurance won’t pay to repair your own car, home, or personal belongings.
  • Business activities: If you run a business, you’ll need separate business insurance. Your umbrella policy only applies to personal liability.
  • Intentional or criminal acts: Any harm or damage you cause on purpose, or while breaking the law, won’t be covered.
  • Uninsured/underinsured motorist coverage: In Nevada, umbrella policies don’t provide extra coverage for accidents with drivers who don’t have enough insurance.
  • Contract issues: Disputes or problems tied to contracts, agreements, or professional services are not included.

Who Should Consider Nevada Umbrella Insurance?

Umbrella insurance is for anyone who wants extra peace of mind. However, there are certain groups of people who may benefit the most from this added layer of protection, especially if you:

Have Substantial Financial Assets or Net Worth

If you’ve built up money in the bank, investments, or property, a lawsuit could put all of that at risk. An umbrella policy helps keep your hard work safe.

Own Potentially Risky Property or Equipment

Pools, trampolines, boats, or certain dog breeds can raise your liability exposure. Umbrella insurance can step in when costs climb higher than your regular coverage.

Host Guests or Rent Out Property

Having people over or letting someone stay in your rental creates more opportunities for accidents. Umbrella coverage helps in case medical bills or legal costs go beyond your basic policy.

Have a Teen Driver or High-Mileage Lifestyle

Teen drivers and heavy commuters are more likely to be in accidents, which can lead to expensive claims. Extra coverage gives you more protection on the road.

Are Active in the Community or Online

Coaches, community volunteers, board members, and social media users may face liability from defamation, slander, or libel. Umbrella insurance can provide backup coverage in those situations.

How to Get Nevada Umbrella Insurance

Getting umbrella insurance in Nevada is simple with Mercury Insurance. Our local agents are here to help you understand how umbrella coverage works, answer your questions, and find the right level of protection for your needs.

Contact a Nevada insurance agent today to get started, or call us at (833) 712-2196 to learn more.

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How Does Umbrella Insurance Work with Existing Policies?

Umbrella insurance doesn’t replace your auto, homeowners, renters, or condo insurance; it’s an extension of your policy. If a major accident or lawsuit pushes costs beyond your policy limits, your umbrella coverage will help handle the difference.

For example, if you cause a serious accident and your car insurance covers liability up to $250,000, but the total claim is $750,000, your umbrella insurance can step in to cover the remaining $500,000.

What Is the Cost of Nevada Umbrella Insurance?

With Mercury Insurance, Nevada residents can get umbrella coverage starting at less than $1 a day. That’s a small price to pay for the peace of mind that comes with knowing your savings, home, and future are protected if a big accident or lawsuit goes beyond your standard policy limits.

The actual cost will depend on factors like how much coverage you choose, the policies you already have with Mercury, and your overall risk profile. Your local Mercury agent can walk you through your options and help you find the right balance of protection and price.

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How Much Umbrella Insurance Do You Need in Nevada?

The amount of umbrella insurance you need in Nevada depends on your assets, lifestyle, and potential liability risk. A common guideline is to have enough coverage to protect your total net worth. Most policies start at $1 million, but you can increase that amount based on what you want to protect and how much risk you may face.

Take a look at this comparison chart to get an idea of what coverage might make sense:

Your situation Suggested umbrella coverage
Owns a home and car, minimal savings $1 million
High-net-worth individual ($1 million+ in assets) $2-$5 million
Owns multiple properties $2-$5 million
Works in a high-risk profession (doctor, lawyer, etc.) $2-$5 million
Public figure or high liability exposure $5 million+

If the combined value of your home, vehicles, savings, and other assets is more than what your current liability coverage protects, it’s a good idea to consider an umbrella policy. A local Nevada agent can walk you through your options and help you choose the right amount of coverage for your situation.

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Top-Rated Insurance in Nevada

Mercury Insurance has earned the trust of Silver State residents by providing reliable, affordable coverage throughout the years. Read real reviews and see why so many Nevada customers choose Mercury for dependable protection and peace of mind.

Learn More About Umbrella Insurance

Want to learn more? Check out these blogs below:

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Nevada Umbrella Insurance FAQs

What is the minimum coverage required for umbrella insurance in Nevada?

Most umbrella policies start at $1 million in coverage, which is generally considered the minimum amount available.

How much does umbrella insurance cost in NV?

In Nevada, umbrella insurance through Mercury can start at less than $1 a day, with costs depending on your coverage amount and risk profile.

What are the pros and cons of umbrella insurance in Nevada?

The main advantage is affordable, high-limit liability protection. The drawback is that it doesn’t cover everything, such as your own property damage or uninsured motorist claims.

Is umbrella insurance right for me?

If you have assets, savings, or future earnings to protect, umbrella insurance can add an important layer of financial security. It’s especially useful if you want peace of mind against large lawsuits or claims.

Can I buy umbrella insurance separately?

No, you can’t purchase umbrella insurance as a standalone policy. It must be added to an existing auto or homeowners policy.

Where can I find umbrella insurance in Nevada?

You can get umbrella coverage by contacting a Mercury agent in Nevada. They’ll review your situation and help you find the right level of protection for your needs.

Does umbrella insurance cover negligence?

Yes, umbrella insurance generally covers liability claims that result from negligence, such as causing an accident or property damage. However, it won’t apply to intentional or illegal acts.

Does Mercury’s Nevada umbrella insurance include uninsured motorist coverage?

No, Mercury’s umbrella policies in Nevada don’t include uninsured/underinsured motorist coverage.

What Mercury products are available in Nevada? Can I bundle?