Personal Umbrella Insurance in Hattiesburg, Mississippi

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Protection Beyond the Basics — Because Accidents Can Cost More Than You Think

Standard home and auto insurance policies provide essential liability coverage, but what happens if a major accident or lawsuit exceeds those limits? That’s where personal umbrella insurance comes in. At Howlett Insurance Agency, we help individuals and families across Hattiesburg, Forrest County, Lamar County, and Perry County gain peace of mind with extended protection for life’s unexpected events.



Whether it’s a serious car accident or an incident on your property, umbrella coverage helps safeguard your assets, retirement, and future income.

What Does Personal Umbrella Insurance Cover?

A personal umbrella policy offers extra liability coverage on top of your existing homeowners, renters, or auto insurance. It typically starts at $1 million in protection and may include:

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Excess Auto & Home Liability

Pays when bodily injury or property damage claims exceed the limits of your standard auto or homeowners policy.

Legal Defense Costs

Covers attorney fees, court costs, and legal settlements—even if the claim is groundless.

Injuries on Your Property

Extends protection if someone is seriously injured on your property and sues for damages.

Libel, Slander, & Defamation

Provides coverage for personal injury claims related to social media posts, statements, or other personal communication.

Teen Drivers & High-Risk Situations

Offers extra protection for families with young drivers, swimming pools, pets, rental properties, or frequent hosting.

Why Choose Howlett Insurance Agency?

We protect more than your policies—we protect your peace of mind.
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Local Expertise That Understands Your Risks

We assess liability exposures unique to Mississippi homeowners and drivers.

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Independent & Transparent

We compare umbrella policies from top-rated carriers to find you the right protection at the right price.

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Straightforward Advice

We explain how umbrella coverage works, what it protects, and how it fits your full insurance plan.

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Responsive, Real Service

When you call, you speak with a local licensed agent—never a call center or bot.

Common Questions About Personal Umbrella Insurance

  • Do I really need umbrella insurance?

    If you own a home, have savings or investments, or could be at risk for a lawsuit, umbrella insurance is worth considering. It protects your personal assets when a large liability claim exceeds your basic coverage.

  • How much coverage do I need?

    Most policies start at $1 million in coverage and can go up to $5 million or more. We’ll help you assess your net worth, lifestyle risks, and future exposure to find the right level of protection.

  • Does umbrella insurance cover my whole family?

    Yes—most policies cover all household members, including spouses and children, for covered incidents.

  • Will it cover me if I’m sued for something I said online?

    Yes, many umbrella policies include coverage for personal injury claims like libel, slander, and defamation—including social media or blog content.

  • How much does personal umbrella insurance cost?

    It’s more affordable than most expect. For around $200–$400 per year, you can gain $1 million in added liability coverage—protecting your assets and lifestyle.

Protect Your Assets. Preserve Your Future.