Umbrella
An umbrella policy adds a layer of liability protection above your home and auto coverage, protecting your savings and future income from a major lawsuit.
Serious accidents can lead to judgments that exceed your auto or home liability limits. An umbrella policy picks up where those limits end, usually for a surprisingly modest premium.
What's covered
Excess liability
Extra limits, typically in $1 million increments, above your underlying policies.
Broader protection
Can cover some claims your underlying policies don't, like libel or slander.
Legal defense
Pays defense costs for covered claims.
Whole-household coverage
Extends to family members in your household.
Rental properties
Can extend over the liability on rental homes you own.
Watercraft & recreational
Can sit above boat and recreational vehicle liability.
Who it's for
- Homeowners
- Parents of teen drivers
- Landlords
- Boat owners
- Anyone with savings to protect
Common questions
How much umbrella coverage do I need?
A common starting point is enough to cover your net worth and future earnings. We'll help you find the right amount.
Are there requirements to buy one?
Most carriers require minimum liability limits on your home and auto policies first. We'll line them up correctly.
Is umbrella insurance expensive?
It's one of the most affordable coverages for the protection it provides.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.