Personal Umbrella Insurance in McHenry, IL & Northern Illinois
One lawsuit shouldn't undo a lifetime of work.
A personal umbrella policy adds an extra $1 million or more of liability protection on top of your auto and home — for the moments when a regular policy isn't enough.
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Why Choose Ryan P. Conway Agency
Big protection for a surprisingly small premium.
Most people think umbrella policies are just for the wealthy. They're not — they're for anyone who has more to protect than their auto and home policies cover. Illinois jury verdicts in serious injury cases routinely exceed $1 million, and a $1 million umbrella often costs less than a streaming subscription per month — protecting against a single bad day wiping out everything you've built.
Coverage Breakdown
What a Personal Umbrella Policy Covers
An umbrella policy sits on top of your other personal policies and kicks in when their liability limits are exhausted. It also covers some things your underlying policies don't.
Auto Liability Excess
Picks up where your auto policy's bodily injury and property damage limits end. Critical given today's vehicle costs and medical bills.
Home Liability Excess
Adds protection above your homeowners liability — for injuries on your property or damage you cause to others.
Watercraft & RV Liability
Extends over your boat, RV, motorcycle, and similar policies. Often the most overlooked exposure.
Slander, Libel & Defamation
Covers legal defense and judgments for things you say or post that are alleged to harm someone's reputation. Increasingly relevant in the social media era.
False Arrest & Invasion of Privacy
Covers civil claims most personal policies exclude — things that get serious fast in a litigious environment.
Worldwide Coverage
Most umbrellas cover you anywhere in the world for personal activities — international travel, vacation rentals, and more.
Have questions about the right coverage? Contact Us
Who It's For
You probably need umbrella insurance more than you think
Umbrella coverage isn't just for the wealthy — it's for anyone with circumstances that increase the odds of being sued. If any of these apply, it's worth a conversation.
Teen drivers
New drivers have higher accident rates. A serious crash involving a teen driver is one of the most common umbrella triggers.
Pool, trampoline, or dog
"Attractive nuisances" and pet-related injuries are among the most common homeowner liability claims nationally — the III reports dog-related injury claims alone average over $58,000 each.
Boat, RV, or motorcycle
Recreational vehicles add liability exposure — and an umbrella that covers all of them is far cheaper than buying excess on each.
Rental property or side hustle
Renting out a property, hosting Airbnb guests, or running a small business from home all increase your liability footprint.
Local Services
Umbrella Coverage Throughout Northern Illinois
Ryan P. Conway Agency is based in McHenry, Illinois, and we write personal umbrella policies for clients throughout Northern Illinois and Southern Wisconsin. We concentrate in McHenry County, Lake County, and the communities along the Wisconsin border, but serve clients in Kane County, Boone County, DeKalb County, and beyond. The cities below are just a sample.
- McHenry
- Crystal Lake
- Woodstock
- Algonquin
- Lake in the Hills
- Cary
- Huntley
- Marengo
- Fox Lake
- Antioch
- Wauconda
- Grayslake
- Lindenhurst
- Lake Geneva
- Genoa City
- Twin Lakes
- Walworth
- Williams Bay
McHenry
Crystal Lake
Woodstock
Algonquin
Lake in the Hills
Cary
Huntley
Marengo
Fox Lake
Antioch
Wauconda
Grayslake
Lindenhurst
Lake Geneva
Genoa City
Twin Lakes
Walworth
Williams Bay