Umbrella Insurance

Home / Personal Insurance / Umbrella Insurance
Personal Insurance

Liability coverage that starts where your other policies stop.

Your auto and home policies each have a ceiling. A personal umbrella adds a million or more above both of them, for a price most people assume is far higher than it is.

Get a Quote
The Basics

One bad afternoon can outrun your auto limits.

A serious at-fault accident with multiple injuries can produce a judgment well past a standard auto liability limit. When it does, the balance comes from your savings, your home equity, and in some cases future wages.

An umbrella sits above your auto, home, landlord and boat policies and keeps paying. Because it only responds to severe claims, the cost per million is a fraction of what your underlying coverage costs.

  • Extends liability limits across all your personal policies
  • Covers defense costs after underlying limits are exhausted
  • Often includes libel and slander claims
  • Sold in one-million increments

Higher Exposure If You

  • • Have teen drivers in the household
  • • Own rental property
  • • Have a pool, trampoline or dog
  • • Own a boat, RV or ATVs
  • • Have assets worth protecting
How It Works

What a personal umbrella sits above

Auto Liability

The most common place an umbrella pays, because injury claims run large.

Home Liability

Injuries on your property, including pool, dog and trampoline claims.

Rental Property

Extends over landlord policies on properties you own and rent out.

Boats & Recreational

Covers watercraft and off-road vehicles where the policy allows.

Defense Costs

Attorney fees once your underlying policy limits are used up.

Personal Injury

Libel, slander and defamation claims, which many umbrellas include.

Common Questions

Umbrella Insurance FAQs

Do I need one if I don’t have much in savings?
Judgments can reach future earnings, not just current assets. Households with teen drivers are often the best candidates regardless of net worth, because the exposure is high and the premium is low.
What underlying limits do I need first?
Umbrella carriers set minimum auto and home liability limits before they will write above them. If yours are lower, we raise the underlying policy first, which is often a small increase.
Does it cover my business?
No. A personal umbrella excludes business activity. If you own a business, you need a commercial umbrella, which we also write.
Do all my policies have to be with you?
Not necessarily, though most carriers prefer to write the umbrella alongside the underlying policies, and it is simpler at claim time when everything sits with one agency.

Let’s find out what an umbrella would cost you.

Most people are surprised, and it takes one conversation.

Get a Quote