Personal & Family
Personal Umbrella Insurance
Extra liability protection above your home and auto limits.
Overview
What to know about umbrella coverage.
An umbrella policy sits on top of your existing home and auto liability. If a serious claim blows past those limits, umbrella picks up where they stop, typically in $1M increments. It’s one of the cheapest ways to buy meaningful protection.
What's typically covered
- Bodily injury and property damage liability beyond underlying limits
- Personal liability (libel, slander, invasion of privacy)
- Legal defense costs, often paid outside the limit
- Liability in rental situations and on recreational vehicles
Things to consider
- Most umbrellas require you to hold minimum underlying liability limits on your home and auto
- Coverage is usually priced per million, and $1M is a common starting point
- Some situations (intentional acts, business use) are excluded
FAQ
Common questions.
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Who should consider an umbrella?
Most households with financial assets, multiple drivers, a pool, a rental unit, or teen drivers benefit from at least $1M of umbrella coverage.
Ready to talk about umbrella?
Tell us what you're protecting and we'll shop it across carriers. No obligation, no hard sell.
