Personal Umbrella
Extra liability protection above your home and auto policies, with limits based on your situation and carrier availability.
Built for the way you actually operate.
Families and individuals with assets, income, or exposures — teen drivers, boats, rental properties, dogs, pools — that a standard policy's liability limit wouldn't fully protect.
Real scenarios, in plain terms.
A serious auto accident
A severe injury claim can exceed auto liability limits. An umbrella adds an extra layer above the underlying policy — commonly starting around $1M, subject to carrier availability and underwriting — usually for a modest premium.
An injury at your home or rental property
A guest's serious injury can turn into a lawsuit that outgrows your home or landlord policy limits. The umbrella sits above both.
Considerations & limitations.
Every policy has terms, conditions, and exclusions. These are the points we walk through before you decide — availability and eligibility vary by carrier.
- Underlying home and auto policies must carry certain minimum limits for the umbrella to respond.
- Umbrellas cover liability — not damage to your own property.
- Household exposures like teen drivers and rental properties affect eligibility and price.
Frequently asked.
Who needs a personal umbrella?
Anyone whose assets or future income exceed their liability limits — which is most working families. It's one of the most cost-effective coverages available.
How much does an umbrella cost?
It depends on your household's drivers, properties, and exposures — umbrellas are often one of the more affordable ways to add liability limits. We'll quote it alongside your home and auto so you can see real numbers.
Ready to talk it through?
Send a request anytime. Our response target is five minutes; response times may vary. Submitting a request does not bind or change coverage.