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Umbrella Insurance

Umbrella Insurance Built Around You

Your home and auto policies have liability limits. An umbrella policy takes over when those limits are exhausted — protecting your savings, your home, and your future income from large legal judgments.

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Coverage Details

Umbrella Insurance Made Simple

Litigation risk and liability exposure vary by state, but a lawsuit that exceeds your standard policy limits can happen anywhere. A personal umbrella policy is one of the most cost-effective ways to protect everything you've worked for.

For most families, a $1 million umbrella policy adds less than $20 per month to their total insurance cost. We help you understand how umbrella coverage coordinates with your existing policies and find the best rate across multiple carriers.

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What's Typically Covered

  • Personal liability above your home, auto, and condo limits
  • Protection against lawsuits for bodily injury and property damage
  • Coverage for libel, slander, and defamation claims
  • Worldwide coverage in most cases
  • Coverage for incidents involving rental properties you own
  • Defense costs even if the lawsuit is groundless
  • Available in $1M, $2M, and higher increments

Litigation Risk Makes This Essential

A single car accident or pool injury on your property can result in a lawsuit that exceeds your standard policy limits, no matter where you live. An umbrella policy provides a financial safety net — and typically costs only $150–$350 per year for $1 million in coverage.

Common Questions

Frequently Asked Questions

How does a personal umbrella policy work?
An umbrella policy kicks in once your underlying auto or homeowners liability limits are exhausted. For example, if you're in an accident and the judgment against you is $800,000, but your auto policy only covers $300,000, your umbrella would cover the remaining $500,000 — up to your umbrella limit.
How much does umbrella insurance cost?
Most people pay between $150 and $400 per year for a $1 million personal umbrella policy. The cost increases for higher limits or if you have risk factors such as teenage drivers, a swimming pool, a trampoline, or rental properties.
Who needs umbrella insurance?
Anyone with significant assets — a home, savings, investments, or future earning potential — should consider an umbrella policy. It's especially important for homeowners with pools or trampolines, drivers with teen children, landlords, frequent hosts, and anyone with a visible public profile.
Does umbrella insurance cover business activities?
Personal umbrella policies typically exclude business-related liability. If you run a business from home or have commercial exposure, you may need a commercial umbrella policy in addition to your business insurance. We can help you identify the right combination.
What limits do I need on my underlying policies to get an umbrella?
Most umbrella carriers require minimum underlying limits — often $250,000/$500,000 on auto and $300,000 on homeowners. If your current policies don't meet these thresholds, we'll coordinate the adjustment across all your policies at the same time.

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Related Coverage Options

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Homeowners Insurance

Your umbrella works on top of your homeowners liability coverage.
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Auto Insurance

Umbrella policies also extend your auto liability protection.
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Business Insurance

Own a business? You may also need a commercial umbrella.