--- title: Why Umbrella Insurance has become so important to protect your family, assets and future earnings. description: Rising loss costs have affected auto rates across the industry, and umbrella rates are facing similar trends. --- # WHY UMBRELLA INSURANCE HAS BECOME SO IMPORTANT TO PROTECT YOUR FAMILY, ASSETS AND FUTURE EARNINGS. * * * ### Rising loss costs have affected auto rates across the industry, and umbrella rates are facing similar trends. Many carriers are responding by restricting coverage, but Clayton Hanley continues to offer a [true umbrella product](https://now.agent.safeco.com/products/umbrella) with useful coverages like internet libel, personal defense and worldwide liability. ### While COVID-19 may be driving a short-term decrease in miles driven, we expect miles and claims impacts to return to normal in the near future. Because umbrella claims tend to stretch over longer periods of time than other personal lines claims, it's important to consider long-term trends and data even in times of short-term fluctuation. ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/quotes) ## 5-Star Ratings "Wouldn't trust anyone else" "Best insurance brokers in St. Louis" "10/10 recommend!" 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Representing only quality insurance carriers, they offer a variety of coverage options to meet any situation. Get in touch today to talk to an agent about your insurance choices. [Call or Email](/contact) [Request Quote](/quotes) ```json {"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.claytonhanley.com/blog/2020/why-umbrella-insurance-has-become-so-important-to-protect-your-family-assets-and-future-earnings#blogposting","url":"https://www.claytonhanley.com/blog/2020/why-umbrella-insurance-has-become-so-important-to-protect-your-family-assets-and-future-earnings","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.claytonhanley.com/blog/2020/why-umbrella-insurance-has-become-so-important-to-protect-your-family-assets-and-future-earnings#webpage"},"headline":"Why Umbrella Insurance has become so important to protect your family, assets and future earnings.","datePublished":"2020-08-18T14:52:00Z","dateModified":"2025-04-07T15:58:39Z","description":"Rising loss costs have affected auto rates across the industry, and umbrella rates are facing similar trends.","author":{"@type":"Organization","@id":"https://www.claytonhanley.com/#organization","name":"Clayton Hanley Insurance"},"publisher":{"@type":"Organization","@id":"https://www.claytonhanley.com/#organization","name":"Clayton Hanley Insurance"}},{"@type":"Organization","@id":"https://www.claytonhanley.com/#organization","url":"https://www.claytonhanley.com/","name":"Clayton Hanley Insurance"},{"@type":"WebPage","@id":"https://www.claytonhanley.com/#webpage","url":"https://www.claytonhanley.com/","name":"Why Umbrella Insurance has become so important to protect your family, assets and future earnings.","description":"Rising loss costs have affected auto rates across the industry, and umbrella rates are facing similar trends."},{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/blog","name":"Blog"}},{"@type":"ListItem","position":2,"item":{"@id":"/blog/2020/why-umbrella-insurance-has-become-so-important-to-protect-your-family-assets-and-future-earnings","name":"Why Umbrella Insurance has become so important to protect your family, assets and future earnings."}}]}]} ```