Umbrella Insurance Coverage

Add extra liability protection above your auto, renters, and homeowners limits. A personal umbrella policy can help protect your assets and future income.

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Umbrella Insurance Overview

Extra protection when liability limits may not be enough

Excess Liability

Provides additional liability limits above your underlying auto and home policies after those limits are exhausted.

Asset Protection

Helps protect savings, property, and future earnings from large lawsuits and high-dollar liability claims.

Broader Scenarios

May extend coverage for certain personal liability situations beyond what underlying policies cover, depending on the policy terms.

Who Should Consider Umbrella Coverage

  • Homeowners and landlords: More assets and higher liability exposure
  • Drivers with higher limits: Added protection beyond auto liability limits
  • Families: Increased everyday liability risk from activities and guests
  • High net worth individuals: Greater exposure in a major claim
  • Community involvement: Volunteer roles and public activities can increase risk

Common Coverage Details

Key elements that influence umbrella pricing and eligibility

Underlying Limits

  • Required auto liability limits
  • Required home/renters liability
  • Multiple vehicles drivers
  • Property ownership factors
  • Policy bundling options
  • Eligibility review

Limit Selection

  • $1M increments are common
  • Asset-based guidance
  • Income and exposure
  • Household risk factors
  • Umbrella vs excess policies
  • Pricing comparisons

Common Questions

  • What’s excluded?
  • Do I need it if I rent?
  • Does it cover business?
  • How does it pay out?
  • Does it include defense costs?
  • How do claims affect pricing?

Get an Umbrella Insurance Quote

Share your current auto and home/renters liability limits. We’ll help you determine the right umbrella limit for your situation.