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Add an extra layer of liability protection beyond your auto and home limits.
Adds coverage above base policies.
Helps cover legal costs and settlements.
Coverage for serious bodily injury claims.
Protection for large property damage losses.
Coverage for incidents away from home.
Protection for covered incidents abroad.
Why You Need It
Umbrella insurance provides extra liability protection above your home and auto policies. If a major accident or lawsuit exceeds your standard coverage, it helps protect your assets, savings, and future income.
Households with moderate assets.
Families with significant assets.
High-net-worth households.
Underlying limits
Higher base limits are required.
Assets
Coverage amount depends on asset value.
Claims history
Frequent claims can increase premiums.
Household risks
Pools, pets, and teens can affect rates.
Coverage depends on assets, income, and risk factors. We can help you choose an appropriate limit.
Yes. Renters liability limits are often too low for major claims.
Umbrella policies are usually affordable for the protection provided.
Yes. It can cover legal defense and settlement costs.
Business liability typically requires a separate policy.
Turnaround varies by carrier and underlying policies. We will confirm timing once we review your details.
Yes. We can include rental exposures in the umbrella policy.
Most carriers require higher auto and home limits before adding umbrella.
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Blog
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