Extra protection when the unexpected gets expensive
Umbrella insurance adds an extra layer of liability protection on top of your home, auto, and watercraft policies. If a serious accident or lawsuit exceeds your underlying limits, your umbrella picks up the rest — protecting your savings, home, and future income.
Liability protection beyond your limits
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Bodily Injury
Medical bills, lost wages, and legal judgments when someone is seriously hurt and you're found responsible.
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Property Damage
Damage you cause to someone else's home, vehicle, or property above your auto and home limits.
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Legal Defense
Attorney fees and court costs for covered claims, often paid in addition to your policy limit.
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Personal Injury
Claims of libel, slander, defamation, false arrest, or invasion of privacy — including online.
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Uninsured Drivers
Optional excess uninsured and underinsured motorist coverage for you and your passengers.
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Worldwide Coverage
Most umbrella policies follow you anywhere in the world, at home or on vacation.
Umbrella coverage makes sense if you
- Own a home, rental property, or investments
- Have a pool, trampoline, or dog
- Have teen drivers in the household
- Own a boat, RV, or recreational vehicles
- Host guests or coach youth sports
- Have significant savings or future earnings to protect
Umbrella rates by limit
| Limit | Typical Household | Est. Monthly |
|---|---|---|
| $1M | 1 home, 2 cars | $25 |
| $2M | 1 home, 2 cars | $38 |
| $1M | Home, 3 cars, teen driver | $36 |
| $3M | Home, rental, boat | $58 |
*Sample rates for illustration only. Umbrella policies require minimum underlying home and auto liability limits; actual rates depend on your household and carrier.
Questions, answered
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Q.How much umbrella coverage do I need?
Most households start at $1M. A good rule is to carry at least enough to cover your net worth plus future earnings — we'll help you size it.
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Q.Do I need to change my home or auto policy?
Usually you'll need minimum liability limits on your underlying policies, such as 250/500 on auto. We'll review and adjust them together.
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Q.Does umbrella cover my business?
Personal umbrella policies exclude business activities. For your company, ask us about a commercial umbrella or excess liability policy.
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Q.Is it cheaper to bundle?
Yes — placing umbrella with the same carrier as your home and auto often unlocks multi-policy discounts across all three.
