Umbrella Insurance
What's included
What It Covers
Excess Liability
Can help pay for covered claims once the liability limits on your home, auto or boat policies have been used up.
Bodily Injury
Can help cover costs when someone is seriously injured in an accident you are responsible for, at home, on the road or elsewhere.
Property Damage
Can help pay for damage you or a covered household member cause to someone else's property.
Legal Defense Costs
Many umbrella policies help pay attorney fees and court costs for covered claims, depending on your policy and carrier.
Personal Injury Claims
May cover claims such as libel, slander, defamation or false arrest, which some underlying policies do not include.
Coverage Away From Home
Many umbrella policies apply to covered incidents that happen away from your home and, in some cases, outside the United States.
Who Needs It
- Homeowners and people with savings, investments or retirement assets to protect
- Families with teen drivers
- Owners of pools, trampolines, dogs or other features that can raise liability risk
- People who host guests often, own rental property or serve on volunteer boards
Optional Coverages
- Excess Uninsured MotoristSome carriers offer optional uninsured/underinsured motorist coverage above the limits of your auto policy.
- Rental Property LiabilityCan extend your umbrella to liability from rental properties you own, as long as the required underlying coverage is in place.
- Watercraft and Recreational VehiclesCan extend umbrella protection to boats, ATVs and other recreational vehicles that carry their own underlying liability coverage.
- Volunteer Board LiabilitySome policies can include liability arising from unpaid service on nonprofit boards, depending on your policy and carrier.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
How much umbrella coverage do I need?
It depends on your assets, income, lifestyle and the risks you face. Umbrella policies are often sold in increments of $1 million. Our agents can help you review what you own and choose a limit that makes sense.
Do I need other policies before I can buy an umbrella?
Usually, yes. Most carriers require you to carry certain minimum liability limits on your home and auto policies first. The umbrella then responds after those underlying limits are used up.
Does umbrella insurance cover my own injuries or property?
No. Umbrella insurance is liability coverage, so it helps pay for injuries or damage you cause to others. Your own property and injuries are handled by your other policies, such as home, auto and health insurance.
Does a personal umbrella cover my business?
A personal umbrella typically does not cover business activities. If you own a business, a commercial umbrella or excess liability policy may be a better fit.
Ready to Get Started?
Get a personalized Umbrella Insurance quote or speak with one of our experienced agents.