Personal Insurance
Umbrella Insurance
An extra layer of liability protection above your home and auto policies.
Coverage overview
A personal umbrella policy provides an additional layer of liability coverage above the limits of underlying policies such as home and auto. It can also extend to certain liability situations the underlying policies handle.
Carriers generally require you to maintain specified minimum liability limits on the underlying policies before an umbrella will apply.
Who may need this coverage
- Households wanting higher liability limits than home and auto alone
- Owners of property, pools, or vehicles that increase liability exposure
- Landlords and those with rental exposures, where eligible
- Anyone with assets or future income they'd like to help protect
Common coverage considerations
- The umbrella limit you'd like to carry
- The underlying liability limits the carrier requires
- Which underlying policies and exposures are covered
- How household members and vehicles are treated
What may not be covered
- Your own injuries or property (it's liability coverage)
- Business or professional liability, generally
- Intentional or criminal acts
- Exposures specifically excluded by the policy
Factors that may affect price or eligibility
- The umbrella limit selected
- The number of homes, vehicles, and drivers
- Underlying exposures such as pools or rental property
- Household claims history
Information commonly needed for a quote
- Your current home and auto liability limits
- The number of vehicles, drivers, and properties
- Any additional exposures (rentals, watercraft, etc.)
- The umbrella limit you'd like to explore
A practical example
A household is found liable for a serious accident and the costs exceed their auto liability limit. A personal umbrella may provide an additional layer of liability protection above that underlying limit, up to the umbrella's own limit and terms.
Questions to ask a licensed professional
- What underlying limits do I need to qualify?
- How much umbrella coverage is appropriate for me?
- Which of my exposures does the umbrella extend to?
- Are rental properties or watercraft included?
Frequently asked questions
This page is a general educational summary and does not change, replace, or create insurance coverage. Coverage terms, conditions, limits, exclusions, eligibility, and availability vary by policy, carrier, state, and underwriting requirements. Coverage is not effective unless confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.
Let's Protect What Matters to You.
Tell us what you need to protect, and a licensed insurance professional can help you explore available options.