Home Star Insurance Services Home Map and Directions About Us Contact Us Homepage Get a Quote Customer Service See Other Locations Homestar Bank

Umbrella Coverage


Umbrella Coverage Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Umbrella Coverage Information

Insurance policies have limits that help to control your premium costs. In addition, these limits help insurers ensure that they are able to fulfill their financial responsibility and meet the claims needs of their policyholders. But limits leave you with some exposure to financial loss, because any claims that exceed the amount of a policy’s limit must be either paid for out of your pocket or be unrecovered. An umbrella policy can fill the gap that exists between your limits and your potential claims.

Umbrella policies extend the coverage limits of many types of liability insurance policies such as home and auto.  It can provide $1 million or more in additional coverage to each of those policies you have. For example, when an auto insurance policy has a $250,000 limit and you injure another person in an accident, the medical expenses and lawsuit could cost much more than that. Having the added protection of an umbrella policy gives you another $1 million or more to put toward those costs. This keeps your savings intact while satisfying the financial obligations you have. Umbrella insurance can also provide protection for situations that would be excluded by other policies, such as when you are accused of slander or libel. Umbrella insurance isn’t just for personal coverage; it can also be purchased by a business in order to extend the reach of its various liability policies.

No matter how aggressive your liability insurance policy limits are, the inexpensive addition of umbrella insurance is a great, affordable way to extend your protection and meet whatever comes your way in the future. 


Our Partners




































Trusted Choice

LOCATIONS 
BRADLEY BOURBONNAIS MANTENO KANKAKEE MANHATTAN





Scott and Rhonda
435 E. North St.
Bradley, IL 60915
Phone (815) 929-2203
Fax (815) 929-2207
Ted, Michelle & Genya
576 Latham Dr.
Bourbonnais, IL 60914
Phone (815) 929-2200
Fax (815) 937-3885
Jim, Josh, Brittnee & Aimee
303 Section Line Rd.
Manteno, IL 60950
Phone (815) 468-8763
Fax (815) 468-7563
Brian and Jacci
303 Section Line Rd.
Manteno, IL 60950
Phone (815) 468-2776
Fax (815) 468-2371
Suzie, Cheryl, & Kristina 
255 E. Station Street
Kankakee, IL 60901
Phone (815) 352-4655
Fax (815) 932-6744
Josh
25640 S. Gougar Rd.
Manhattan, IL 60442
Phone (815) 468-8763
Fax (815) 468-7563