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Personal Umbrella Insurance
Broad excess liability above your home and auto policies — protecting your assets and future income from catastrophic claims.
A personal umbrella policy is one of the most cost-effective forms of protection available — typically providing $1 million or more in additional liability coverage for just a few hundred dollars per year. If you own a home, have savings, or have future income worth protecting, an umbrella policy is not optional — it's essential.
What a Personal Umbrella Covers
- ✓Excess liability above your homeowners policy limits after a serious injury on your property
- ✓Excess liability above your auto policy limits after a major at-fault accident
- ✓Defamation, libel, and slander claims not covered by standard home or auto policies
- ✓Liability arising from rental properties you own
- ✓Certain claims involving your household members, including teenage drivers
- ✓Legal defense costs — even when a claim is ultimately found to be without merit
Who Needs a Personal Umbrella?
- ✓Homeowners with significant equity or savings that could be targeted in a lawsuit
- ✓Drivers with teenage or high-risk drivers on their household auto policy
- ✓Anyone who owns rental properties or investment real estate
- ✓High-income professionals whose future earning potential is an asset worth protecting
- ✓Individuals who frequently host guests, events, or have a pool or trampoline on their property
The honest truth: Most people who need a personal umbrella don't have one — and most who don't need one think they do. A 10-minute conversation with our team will tell you which category you're in.
Get a Personal Umbrella Quote