Personal Insurance
Umbrella Insurance
Personal umbrella insurance that adds an extra layer of liability protection above your auto and home policies.
A personal umbrella policy adds liability coverage on top of the limits on your auto, home, and other policies. If you're found responsible for a serious accident or injury and the costs exceed your underlying limits, an umbrella policy can help pay the difference, up to the umbrella limit you choose.
Medical bills and lawsuits can climb quickly. An umbrella can help protect your savings, your home, and your future earnings. Umbrella limits are commonly written in $1 million increments, and many carriers require your auto or home policy to be with them, so we'll shop options that fit how your policies are set up.
What Umbrella Insurance typically covers
Excess Liability
Helps pay for bodily injury and property damage claims that exceed the liability limits on your underlying auto, home, or watercraft policies.
Broader Situations
May cover certain claims your other policies don't, such as some personal injury claims like libel or slander, subject to policy terms.
Legal Defense
Can help cover defense costs for covered claims, which can add up even when a lawsuit doesn't succeed.
Coverage Across Your Household
Typically extends to household members and to liability from vehicles, homes, rental properties, and watercraft listed on the policy.
A real example
Say you cause a multi-vehicle accident and the damages and injuries total $850,000, but your auto liability limit is $300,000. Without an umbrella, you could be responsible for the remaining $550,000. With a $1 million umbrella, that difference may be covered.
Related coverage
Common questions
Who needs umbrella insurance?
Anyone who wants more protection for their assets and future income. It's especially worth considering if you own a home, have teen drivers, own a pool, a dog, a boat, or rental property, or simply want more liability protection than your auto and home policies provide.
How much does umbrella insurance cost?
Pricing depends on the limit you choose and how many vehicles, homes, and other exposures the policy sits over. For the amount of protection it adds, many families find it affordable. We'll compare carriers so you can see your options.
Do I have to have my auto and home with the same company?
Many carriers require at least your auto policy with them to offer an umbrella, and some require minimum underlying limits. Stand-alone umbrella policies are also available for special situations.
Ready to protect what matters with the right umbrella coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.