Extra liability coverage, $1M or more, that stacks on top of the liability limits in your home and auto policies. When a serious accident or lawsuit exceeds your underlying limits, an umbrella helps protect your savings, wages, and assets. Broad protection for a modest annual premium.
A personal umbrella policy adds an extra layer of liability protection, typically $1 million or more, that sits above the liability limits already built into your home and auto policies. When you're found responsible for injuries or damage and the cost exceeds those underlying limits, the umbrella picks up where they leave off, helping to shield your savings, future wages, and other assets.
Here's how it works in practice. Say you cause an at-fault auto accident and the injuries to others total more than your auto liability limit. Your auto policy pays up to its limit, and your umbrella covers the rest, up to its own limit. The same applies if someone is seriously injured at your home, or if your dog bites a visitor and the claim runs past your homeowners liability. An umbrella also typically helps cover legal defense costs and certain claims like libel and slander.
Who should consider one? Homeowners, landlords, families with teen drivers, and anyone with savings, home equity, or income worth protecting. A single large judgment can reach well beyond standard home and auto limits, and umbrella coverage is one of the most cost-effective ways to close that gap, usually adding a substantial limit for a modest annual premium.
One important detail: carriers typically require you to carry minimum underlying liability limits on your home and auto policies before they'll add an umbrella on top. We place personal umbrella coverage with Safeco and Liberty Mutual, review your existing limits, and make sure everything lines up so your umbrella does its job when it matters.
Extra liability that kicks in when an auto claim exceeds your car policy's limits.
Extra liability above your homeowners or condo policy for injuries and damage.
Helps cover the cost of defending you against a covered lawsuit or judgment.
Shields your savings, home equity, and future wages from a large claim.
We place personal umbrella coverage with top-rated personal-lines carriers, including Safeco and Liberty Mutual, review your existing home and auto limits, and make sure everything lines up so your umbrella does its job when it matters.
Ready to add a layer of protection? Apply online in minutes and our licensed agents will review your underlying home and auto limits and price an umbrella that gives you $1M or more of additional liability, without overpaying.
We handle the quoting, paperwork, and policy setup so adding an umbrella to your existing coverage is effortless.