Umbrella coverage sits on top of your underlying auto, home, boat, motorcycle or rental property policies. When a claim exhausts those limits, the umbrella responds, protecting your savings, home equity and future income.
It also covers certain claims your other policies may not, such as libel, slander and some lawsuits related to rental property you own.
What personal umbrella insurance can include
- Excess liabilityAdditional coverage above the limits of your auto, home, renters, boat and other underlying policies.
- Broader protectionCoverage for claims like personal injury (libel, slander, false arrest) that standard policies often exclude.
- Legal defenseAttorney fees and court costs for covered claims — even if the suit turns out to be groundless.
- Worldwide coverageMost umbrella policies follow you anywhere in the world.
Who this is for
- Homeowners with meaningful equity or savings
- Families with teen drivers
- Owners of pools, boats, ATVs or rental property
- Professionals and business owners who are visible in the community
- Anyone who wants peace of mind against a large lawsuit
Common questions
How much does an umbrella policy cost?
A $1 million umbrella is often among the most affordable coverages you can buy relative to the protection it provides. We will quote it alongside your auto and home.
Do I need to raise my auto or home limits first?
Usually yes. Carriers require certain minimum underlying limits. We will review yours and make sure everything lines up.
Can I get an umbrella if my auto is with another company?
Often, though placing everything with one carrier is typically simpler and less expensive. We will show you both options.