Extra Protection. When You Need It Most.
Affordable umbrella insurance that adds $1M–$10M of liability coverage on top of your auto, home, and other policies — protecting everything you've built.
Why Umbrella Insurance Is Essential
One serious accident — a car crash, a guest injured at your home, a teen driver lawsuit — can result in claims that far exceed your standard policy limits. When that happens, the difference comes out of your savings, your home equity, and your future earnings.
Umbrella insurance adds an extra layer of liability protection — typically $1 million to $10 million — on top of your existing auto and home policies. It's one of the most affordable forms of insurance per dollar of coverage you can buy.
As an independent agency, Brawner compares umbrella policies from 50+ carriers to find the right coverage and the right price for your family's risk profile.
Compare Umbrella Plans →Ready to protect what you've built?
We'll review your assets, check your underlying limits, and build the right umbrella policy — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
Umbrella Coverage Through Brawner
An umbrella policy fills the gaps your standard policies leave behind. Here's what we help families put in place.
Bodily Injury Liability
Covers medical bills, lost wages, and pain & suffering claims when you're legally liable for injuring someone — beyond your auto or home limits.
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Property Damage Liability
Pays for damage you cause to someone else's property — vehicles, buildings, fences — when claims exceed your underlying policy limits.
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Legal Defense Costs
Covers attorney fees, court costs, and settlements — typically paid in addition to your liability limit, even if the lawsuit has no merit.
Learn More →Personal Liability
Protects against libel, slander, false arrest, and invasion of privacy claims — coverage standard policies often exclude.
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Rental Property & Auto
Extends liability over your rental properties and recreational vehicles — boats, ATVs, and second cars — with one policy.
Learn More →Build your safety net.
We help you choose the right limit ($1M–$10M) based on your assets and risk exposure.
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