Do I need an umbrella insurance policy in Kansas?

Michael Goodman
May 19, 2022
2 min read

Updated: Aug 8

Kansas insurance agent explaining umbrella insurance coverage to a driver — Do I need an umbrella insurance policy?

Samuel just bought a brand-new car. Congrats, Samuel — it’s a nice ride.

But one day, Samuel runs a stop sign and T-bones a van carrying a family of six. Tragically, they all perish. Samuel survives, barely.

He has insurance. In fact, he has exactly what Kansas law requires for auto insurance. But here’s the problem — his state-minimum liability limits won’t even scratch the surface of the financial damages from this accident. Samuel was legal, but he was also greatly underinsured.

Why Umbrella Insurance Exists

An umbrella policy adds an extra layer of liability protection on top of your existing auto, home, or farm insurance. When your underlying policy limits are “exhausted,” the umbrella kicks in — covering you up to its own much higher limit.

Without it, your assets, income, and even your future earnings could be on the hook.

Two Ways Samuel Could Have Been Better Protected

Increase His Auto Liability Limits

Bumping up limits on his auto policy would provide more protection before the umbrella is even needed.

Buy an Umbrella Policy

Umbrella policies often start at $1 million in coverage and can go up to $20 million. The cost is surprisingly affordable because they require you to already carry a certain amount of coverage on your underlying policy.

Local Perspective: Why We Recommend It

As a Sublette-based independent insurance agent, I’ve seen firsthand how Kansas families and farmers get blindsided by liability claims — whether it’s a tragic car accident, a farm injury, or even an accident on your property.

At Goodman Insurance Solutions, we make sure you understand:

Minimum requirements for umbrella eligibility

How your auto, home, or farm policy interacts with the umbrella

The true cost vs. the risk of going without one

Bottom Line

Umbrella insurance isn’t about being wealthy — it’s about protecting what you have and what you’ll earn in the future. In Kansas, where liability claims can quickly climb into the millions, an umbrella can be the difference between moving forward or financial ruin.

If you’re wondering whether an umbrella policy makes sense for you, call or text 620-531-0261. We’ll run the numbers and help you decide.