Coverage · Personal umbrella
A million dollars of liability protection above everything else.
An umbrella policy sits on top of your auto and home coverage and adds liability protection in million-dollar increments. It exists for the accident that is worse than your limits.
What it covers
Above your auto limits
A serious at-fault accident can pass auto liability limits quickly. The umbrella pays what your auto policy cannot, up to its own limit.
Above your home limits
The same protection over your homeowners or condo liability, for injuries on your property and damage you cause.
Broader protection
Umbrella policies also cover some claims underlying policies do not, such as libel, slander, and liability from incidents worldwide.
Legal defense
Defense costs for covered claims, which alone can justify the policy in a serious lawsuit.
Worth knowing
What a licensed agent watches for
It costs less than people assume
Umbrella coverage is among the cheapest insurance per dollar of protection you can buy, because it only pays after underlying limits are exhausted.
Your underlying limits have to qualify
Carriers require minimum auto and home liability limits underneath an umbrella. We line all three policies up so there is no gap between them.
Who actually needs one
Homeowners, landlords, parents of teen drivers, and anyone with savings or a house to protect. If a judgment could touch what you have built, the umbrella is the fix.
Common questions
Not always, but it is often cheaper and simpler that way. We quote the combination both ways and show you the difference.
A common starting point is one million, sized up with what you have to protect. Your agent will walk through it in plain English.
It can sit above landlord liability too, which is exactly where many small landlords are most exposed. Tell us about the property and we will structure it.
Related coverage
One call does it.
Sixty seconds to start. A licensed agent does the rest.