Extra protection for life’s unexpected moments.
Personal umbrella insurance adds an additional layer of liability protection above eligible home, auto, boat and other personal insurance policies.
Protection for your home, vehicles, assets and future.
Your existing policies may have a limit.
A serious accident or liability lawsuit can exceed the limits of a standard home, auto or watercraft policy.
Personal umbrella insurance is designed to provide additional liability limits after an eligible underlying policy reaches its covered limit. It may also provide protection for certain claims not covered by an underlying policy, subject to the umbrella policy’s terms.
One serious claim can become financially overwhelming.
Liability losses can involve medical bills, property damage, legal expenses and court awards.
Major Auto Accident
A severe accident involving multiple vehicles or serious injuries may exceed the liability limit on a personal auto policy.
Injury at Your Home
A guest may suffer a serious injury on your property and pursue a claim for medical expenses, lost income or other damages.
Watercraft Accident
A boating or personal watercraft accident can cause significant injuries or damage to another person’s property.
Personal Injury Claim
Certain umbrella policies may include eligible claims involving libel, slander, defamation or invasion of privacy.
An extra layer around your personal liability.
Coverage varies by insurer, underlying policies, selected limits, household information and policy endorsements.
Bodily Injury Liability
May provide additional protection when you are legally responsible for covered injuries to another person.
Property Damage Liability
May help pay for covered damage you or an insured household member causes to another person’s property.
Legal Defense Costs
The policy may help provide legal defense for eligible covered claims, subject to policy conditions.
Landlord Liability
Some policies may extend protection to qualifying personally owned rental properties disclosed to the carrier.
Personal Injury
Coverage may be available for certain qualifying claims involving libel, slander or invasion of privacy.
Worldwide Protection
Certain policies may provide eligible liability protection outside the United States, subject to policy territory provisions.
These descriptions are general. Coverage depends on the issued policy, underlying insurance, exclusions, limits, conditions and carrier requirements.
Protection that sits above your primary policies.
Your home, auto, boat or other eligible policy generally responds first. If a covered liability loss exceeds that policy’s limit, the umbrella policy may provide an additional layer of protection.
Review My LimitsUmbrella coverage is not only for the ultra-wealthy.
Anyone with assets, income or personal liability exposures may benefit from reviewing additional protection.
You Own a Home
Home ownership can create premises liability exposure and may represent a significant personal asset.
You Have Multiple Drivers
More drivers and vehicles can increase the possibility of a major auto liability claim.
You Own a Pool or Trampoline
Recreational features may increase the chance of a serious injury occurring on your property.
You Own a Boat or RV
Watercraft and recreational vehicles can create additional liability exposures.
You Are a Landlord
Qualifying personally owned rental properties may create additional premises and landlord liability.
You Have Earnings to Protect
A large judgment may affect more than current savings and assets, depending on applicable law.
Umbrella insurance does not cover everything.
Every policy includes exclusions, conditions and eligibility requirements.
An umbrella policy generally does not replace home, auto, commercial or professional insurance. It works with qualifying underlying policies and depends on accurate disclosure of your household, properties, vehicles and other exposures.
Review the policy’s exclusions and underlying insurance requirements before binding coverage.
Your primary policies must meet carrier requirements.
Insurers commonly require specific liability limits on the policies beneath the umbrella.
Information we may need
How much additional protection should you consider?
The appropriate limit depends on your assets, income, exposures and personal risk tolerance.
Review Your Assets
Consider your home equity, savings, investments, vehicles and other personal property.
Consider Future Income
Your future earnings may be part of your overall financial exposure depending on applicable law.
Identify Higher-Risk Exposures
Review youthful drivers, rental properties, pools, boats, animals and frequent hosting.
Compare Available Options
Available limit increments, eligibility and pricing vary by carrier and household profile.
Multiple policies may be involved in one claim.
Report the incident promptly to the appropriate carrier. The underlying insurer will generally investigate and respond first, while the umbrella carrier should also be notified when the loss may exceed the primary limit.
Protect People and Property
Address urgent safety concerns and contact emergency services when needed.
Report the Primary Claim
Notify the home, auto, boat or other applicable underlying insurer.
Notify the Umbrella Carrier
Promptly report any claim that may involve the umbrella policy.
Preserve Documentation
Retain notices, photographs, reports, correspondence and legal documents.
Protection built around your complete household.
Umbrella insurance works best when the underlying policies, exposures and limits are reviewed together. Our team can help identify the information carriers need and compare eligible options.
Complete Household Review
We help identify vehicles, properties, drivers and other liability exposures.
Underlying Limit Guidance
We can review whether current policies appear to meet carrier requirements.
Coverage Comparisons
Compare eligible limits, policy features, conditions and pricing.
Ongoing Policy Support
Update coverage when drivers, vehicles, properties or household exposures change.
Protect more than your policy limits.
Let us review your current home, auto and other personal policies and help you explore eligible personal umbrella insurance options.
Understand the protection above your primary policies.
Policy terms, limits and eligibility vary by carrier. These answers provide general guidance.
What is personal umbrella insurance?
Personal umbrella insurance provides additional liability protection above qualifying home, auto, boat and other personal insurance policies.
When does an umbrella policy apply?
It may apply after a covered claim exceeds the available limit of an eligible underlying policy, subject to the umbrella policy’s terms.
Do I need to be wealthy to buy umbrella insurance?
No. Homeowners, drivers, landlords and others with income or personal liability exposure may benefit from reviewing umbrella coverage.
Does it cover every member of my household?
Eligible household members may be covered when they meet the policy’s definition of an insured. All household members and drivers should be disclosed.
Can it cover rental properties?
Certain personally owned rental properties may be eligible when properly disclosed and accepted by the carrier.
Does it cover boats or recreational vehicles?
Eligible boats, watercraft or recreational vehicles may be included when insured correctly and accepted by the umbrella carrier.
Are minimum underlying limits required?
Yes. Carriers generally require minimum liability limits on underlying auto, home, boat and other qualifying policies.
Does umbrella insurance cover my business?
Personal umbrella insurance generally excludes business liability. Business exposures usually require commercial liability or commercial umbrella coverage.
Does it cover damage to my own property?
Umbrella insurance is primarily third-party liability protection and generally does not insure damage to your own home, vehicle or personal property.
Can an umbrella policy cover legal defense?
Legal defense may be included for eligible covered claims, subject to the policy’s terms, limits and conditions.
What affects the cost?
Pricing may depend on the selected limit, number of homes, vehicles and drivers, youthful operators, watercraft, rental properties and prior losses.
Can I buy umbrella insurance from a different carrier?
Some insurers allow a standalone umbrella while others require certain underlying policies to be written with the same carrier.
Coverage descriptions are provided for general informational purposes only and do not amend, extend or replace the terms of any insurance policy. Coverage is subject to eligibility, underwriting approval, carrier requirements, underlying insurance, policy forms, limits, deductibles, conditions and exclusions. Refer to the issued policy for complete terms and conditions.