Umbrella Insurance
An extra layer of liability protection that kicks in when your auto, home, or other policies' limits aren't enough. Peace of mind when you need it most.
Get a Quote
Extra Protection When You Need It Most
Umbrella insurance provides an additional layer of liability coverage that extends beyond the limits of your auto, home, boat, and other policies. It's designed to protect your assets and future earnings when a serious accident exceeds your underlying policy limits.
When you're found liable for damages that exceed your auto or homeowners policy limits, your umbrella policy kicks in — covering the excess costs and providing legal defense. This protection applies to bodily injury, property damage, personal liability claims, and even covers situations like libel, slander, and defamation that your other policies might not.
What Umbrella Insurance Covers
Umbrella insurance provides broad liability protection that goes above and beyond your standard policies. Here's what it covers and when you need it:
What Umbrella Insurance Covers
- Bodily injury liability
- Property damage liability
- Personal liability claims
- Legal defense costs
- Libel/slander/defamation
Coverage Starts at $1 Million
Umbrella policies typically start at $1 million and can go up to $5 million or more. The cost is surprisingly affordable — often just a few hundred dollars per year for substantial protection.
When You Need It
- High net worth individuals
- Multiple properties
- Rental properties
- Teenage drivers
- Business owners
Works with Existing Policies
Your umbrella policy works alongside your auto, home, boat, and other policies — providing excess coverage when those limits are exhausted. It's a safety net for worst-case scenarios.
Important: Umbrella policies require minimum underlying liability limits on your auto and home policies (typically $250,000/$500,000 for auto and $300,000 for home). We'll help you ensure your policies are properly structured.
Coverage Scenarios: When Your Umbrella Policy Responds
Extended Auto Liability
If you cause a serious accident that results in injuries exceeding your auto policy's limits, your umbrella policy kicks in to cover the excess — protecting your assets from lawsuits.
Extended Home Liability
When someone is injured on your property and your homeowners liability limits aren't enough, your umbrella policy provides additional coverage for medical bills, legal fees, and settlements.
Extended Boat/Watercraft Liability
If a boating accident exceeds your watercraft policy's liability limits, your umbrella coverage responds — providing protection for serious on-water incidents.
Personal Injury Protection
Covers claims for libel, slander, defamation, false arrest, wrongful eviction, invasion of privacy, and other personal injury situations that may not be covered by your other policies.
Worldwide Coverage
Most umbrella policies provide coverage anywhere in the world — protecting you when you travel internationally and an incident occurs outside the United States.
Rental Property Liability
If you own rental properties, your umbrella policy can extend coverage beyond your landlord policy limits — protecting you from tenant injuries and other liability claims.
Common questions about umbrella insurance
How much umbrella insurance do I need?
A common guideline is to carry umbrella coverage equal to your net worth, including home equity, retirement accounts, and other assets. Most policies start at $1 million and increase in $1 million increments. We'll help you assess your exposure and recommend appropriate coverage levels.
What's the difference between umbrella and excess liability?
Umbrella insurance provides broader coverage — it covers claims not included in your underlying policies (like libel and slander) and may drop down to fill gaps. Excess liability simply adds more coverage on top of your existing policies but doesn't expand coverage types. Most personal policies are true umbrella policies.
Does umbrella insurance cover my business?
Personal umbrella policies typically exclude business-related claims. If you own a business, you'll need a separate commercial umbrella policy. However, some policies may cover incidental business activities like occasional freelance work — check with us to understand your specific coverage.
Do I need umbrella insurance if I have good auto/home coverage?
Even with high liability limits on your auto and home policies, a single serious accident can easily exceed those limits. Medical bills, lost wages, and legal fees can add up to millions. Umbrella insurance provides an additional safety net at a surprisingly low cost — often just a few hundred dollars per year for $1-2 million in coverage.
What doesn't umbrella insurance cover?
Umbrella policies don't cover intentional acts, business activities (you need commercial coverage), damage to your own property, or liability you assume under a contract. They also won't cover criminal acts or professional liability. Your policy will include specific exclusions — we'll review these with you.
Is umbrella insurance expensive?
No — umbrella insurance is surprisingly affordable. A $1 million policy typically costs $150-$400 per year, and each additional million dollars of coverage often costs just $50-$100 more annually. The cost varies based on your underlying coverage limits, number of properties, vehicles, and other risk factors.
Umbrella insurance carriers we work with
Get an umbrella insurance quote
We compare rates from multiple carriers to find the right coverage at a competitive price. Protect your assets with affordable umbrella insurance.