Umbrella Insurance
When a serious accident exceeds your auto or home liability limits, an umbrella policy is what stands between the judgment and your savings, your home equity, and your future wages.
Big protection, small premium
An umbrella policy adds $1 million or more of liability protection above your home and auto policies - typically for a few hundred dollars a year. For most households with assets, it is the single best value in insurance.
- Extra liability limits - $1M to $5M+ above your underlying auto, home, and landlord policies.
- Broader coverage - some claims excluded by underlying policies are picked up by the umbrella.
- Defense costs - legal defense for covered claims, which alone can be six figures.
- Worldwide protection - coverage follows you, not just your driveway.
Who actually needs one?
Homeowners, landlords, parents of teen drivers, pool or dog owners, and anyone with savings, equity, or future income worth protecting. If a jury award would change your life, you need an umbrella.
Often nearly free
The multi-policy discount an umbrella unlocks on home and auto frequently offsets a meaningful share of its own premium.
Landlord portfolios
Rental properties multiply liability exposure. An umbrella over the portfolio is usually far cheaper than raising limits on each policy.
Umbrella insurance FAQs
How much umbrella coverage should I carry?
A common rule of thumb is at least enough to cover your net worth plus several years of future income. Most households start at $1M and adjust from there. We will help you size it in minutes.
Does an umbrella cover my rental properties?
It can - the umbrella must list your landlord policies as underlying coverage. This is one of the most common gaps we fix for property investors.
What does it require?
Carriers require minimum liability limits on your underlying auto and home policies (often 250/500 on auto). We coordinate the whole stack so everything lines up.
What does an umbrella policy not cover?
Your own injuries or property, intentional acts, most business liability (that needs commercial coverage), and contractual obligations. It is personal liability protection above your underlying policies, not a catch-all.
Does an umbrella cover my teen driver?
Yes, household members including teen drivers are covered, which is precisely why families add umbrellas when teens get licensed. The underlying auto limits usually need to rise to qualify, and we coordinate that stack.
Does umbrella coverage work outside the United States?
Generally yes, personal umbrella liability follows you worldwide, with claims handled under the policy terms. It is one of the quiet benefits frequent travelers appreciate.
Are legal defense costs included?
Yes, and typically in addition to the liability limit. Defense alone in a serious injury suit can run six figures, so this feature carries real value even in claims that settle.
How fast can I add an umbrella?
Same day in most cases when we already write your home and auto. We confirm underlying limits meet the umbrella carrier's requirements, adjust if needed, and bind.
Add a million dollars of protection
Umbrella quotes take minutes when we already have your home and auto details.