Personal Umbrella Insurance
Additional personal liability protection above qualifying home, auto, and other underlying policies.
Personal Insurance
Protection Built Around Real Life
A severe accident or liability claim can exceed the limits of a standard home or auto policy. Personal umbrella insurance can add another layer of liability protection above qualifying underlying policies.
What This Coverage Can Help Address
- Additional personal liability limits
- Certain liability exposures above home or auto limits
- Protection for serious claims and lawsuits subject to policy terms
- Coverage that coordinates with qualifying underlying policies
Who Should Consider It
Does This Fit Your Situation?
Households with significant assets, teen drivers, rental properties, frequent guests, recreational exposures, or anyone who wants more liability protection than standard policy limits provide.
Common Questions
Personal Umbrella Insurance FAQs
How does an umbrella policy work?
An umbrella policy generally provides additional liability limits after the applicable underlying policy limits are exhausted, subject to the umbrella policy’s terms and requirements.
Do I need certain home and auto limits first?
Usually, yes. Umbrella insurers commonly require minimum underlying liability limits before the umbrella policy will apply.
Is umbrella insurance only for wealthy households?
No. Assets are one consideration, but future income and the potential cost of a serious liability claim can make umbrella coverage relevant to many households.