Last Updated: 04/18/2025
Cast Your Vote
Compare All Umbrella Insurance
Filter & compare all your options in one place.
Highlights
Financial Strength Rating
A+(Verified 04/18/2025)
Sentry Umbrella Insurance Review
Umbrella insurance is another name for liability insurance. It is designed to protect your assets when you are hit with a lawsuit judgment. Another name for it is "excess liability coverage." Umbrella insurance policies protect you when the liability coverage of your auto insurance, home insurance, or boat insurance is insufficient.
Sentry umbrella insurance FAQ
Does Sentry Insurance offer an umbrella insurance policy?
Yes, Sentry Insurance offers policyholders an umbrella insurance policy. Read below how Sentry Insurance compares to other insurance carriers
How does a Sentry Insurance umbrella insurance work?
Let's say you are at fault in a serious car accident. The cost of the damages is $500K. However, your auto insurance liability coverage limit is $300k. If you have an umbrella insurance, it will kick in so you don't have to pay the balance out-of-pocket after your auto insurance policy maxes out.
Where does Sentry umbrella insurance do business?
Sentry umbrella insurance is an insurance carrier based in Stevens Point, WI. The insurance company was founded in 1904 and offers umbrella coverage policies in 50 states (and Washington, DC).
What types of umbrella insurance policies does Sentry umbrella insurance offer?
Sentry umbrella insurance provides the following protections:
- Serious bodily injury liability -- Say a guest falls on your property and requires surgery. The cost may exceed your homeowners insurance liability limits.
- Landlord liability -- If a tenant sues you for damages while renting your property and the cost exceeds the liability limits provided by your specialty homeowners insurance.
- Property damage -- Your umbrella insurance policy also helps if you are at fault in an auto insurance accident and the damages exceed your auto insurance liability limits.
- Slander or libel -- Umbrella coverage can also provide coverage if you are sued for something you wrote or said.
- Malicious prosecution -- If you are counter-sued for wrongfully prosecuting someone, you can be left holding an expensive legal bill that a personal umbrella policy can cover.
What minimum liability coverage does Sentry Insurance require before approving an umbrella insurance policy?
Most insurers will not allow you to buy an umbrella insurance policy unless you first purchase a substantial amount of liability coverage on your homeowners and car insurance policies.Sentry Insurance does not provide a specific minimum liability coverage.
What level of liability coverage can you get with Sentry umbrella insurance?
Most insurance companies set a minimum of $1 million in coverage.Sentry Insurance does not provide details on its liability coverage limits.
How much does Sentry Insurance umbrella insurance cost?
The cost of your umbrella insurance policy will vary depending on your risk profile. Your umbrella coverage premium will probably range between $150 and $300 per year.
Your risk profile depends on factors like your net worth, where you live, your credit history, and your driving record. Owning a dog or vehicles that could damage others, such as a jet-ski or a snowmobile, can also increase your policy premium.
What is the financial strength rating of Sentry umbrella insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and umbrella insurance policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Sentry umbrella insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
How to apply for Sentry Insurance umbrella insurance?
- Visit the Sentry Insurance website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 7:00PM
Tuesday
8:00AM - 7:00PM
Wednesday
8:00AM - 7:00PM
Thursday
8:00AM - 7:00PM
Friday
8:00AM - 7:00PM
Saturday
Closed
Other Services by Sentry Insurance
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
No one recommends
Everyone recommends
Sentry Umbrella Insurance Community Reviews
Would you recommend Sentry Umbrella Insurance to your friends?
SA
Samuel A.
Dec 23, 2020
May or may not recommend
I have had a great experience working with Sentry Insurance for my home and auto insurance needs over the last couple of years. Ernest was the agent I worked with and he is quick to respond, follows up regularly, provides adequate notice for renewal etc., got me competitive rates from reputed insurance companies with a good network in my area. Highly recommended!!
KS
Kate S.
Nov 17, 2020
May or may not recommend
Sentry Insurance have set the bar for insurance. Their work standards scream customer satisfaction, large rates and poor services are a thing of the past with them. SentryInsurance ensures all clients either potential clients or already registered clients get the best of services anytime needed. Their plans are pocket friendly and very helpful, you will not be disappointed
RC
Raphael C.
Nov 11, 2020
May or may not recommend
When I started my business and was unsure of the right insurance policy that best fits my business due to past experience, I went into a thorough research and stumbled on SentryInsurance. Still in doubt I applied for a business owner’s policy which covered my business property, income and liability. I strongly recommend.
BL
Bright L.
Oct 31, 2020
May or may not recommend
There was a case of fire outbreak in my hood that affect ted my house. I reached out to SentryInsurance on what can be done. The staffs were swift in responding to me and a day was fixed for the inspection of damage. They fulfilled their promise by repairing the damaged area in my house. I strongly recommend SentryInsurance
Showing 4 of 4 reviews