What's Covered
When a claim exceeds your auto or home policy limits, umbrella coverage kicks in. A $1M umbrella policy typically costs $150–$300 per year.
Covers attorney fees, court costs, and judgments against you — including incidents involving vehicles, your property, or even personal liability claims.
Most umbrella policies extend liability coverage globally — useful for travel, rental cars abroad, and international incidents.
If you own rental property, umbrella coverage extends your liability protection beyond your landlord policy limits.
Who Needs It
Homeowners, parents of teen drivers, rental property owners, business owners, and anyone with significant savings or income are all prime candidates. A lawsuit judgment can attach to future earnings — umbrella coverage protects both what you have and what you'll earn.
FAQ
A $1 million umbrella policy typically costs $150–$300 per year — less than $1 per day. Each additional million usually adds $75–$100 per year. It's one of the most affordable ways to significantly increase your liability protection.
Anyone with significant assets — a home, savings, retirement accounts, or future income that could be garnished — should consider umbrella coverage. Parents of teen drivers, homeowners, rental property owners, and business owners are especially good candidates.
Umbrella insurance kicks in when your auto or home policy limits are exhausted. It covers bodily injury, property damage, and personal liability claims — including some situations like libel or slander that your primary policies may exclude entirely.
High underlying limits reduce risk but don't eliminate it. A single serious accident, a slip-and-fall on your property, or a lawsuit judgment can easily exceed even $500,000 in primary coverage. Umbrella fills that gap for a few hundred dollars a year.
You Might Also Need
Umbrella coverage stacks on top of your auto policy — we make sure the underlying limits are set correctly.
Learn More →Umbrella also extends your homeowners liability. We review both policies together to eliminate gaps.
Learn More →Own rental property? An umbrella policy is the most important add-on for landlords with assets to protect.
Learn More →Umbrella policies are one of the best values in insurance. Let us show you how affordable it is.
