Personal Umbrella Insurance
$1M or more of liability above your home, auto, and boat policies for a few hundred dollars a year.
Who Needs It
- Homeowners with equity or savings
- Households with teen or high-risk drivers
- Owners of rental property, pools, boats, or dogs
What It Covers
- Excess liability over underlying home, auto, boat, and rental-property policies
- Defense costs
- Some coverages underlying policies lack (libel, slander) on true umbrella forms
What It Does Not Cover
- Business pursuits and professional liability
- Intentional acts
- Underlying limits below the required attachment (you pay the gap)
Texas Notes
Texas verdicts for serious auto injuries regularly exceed $500K; the umbrella is what protects home equity and future income.
Florida Notes
Florida's litigation environment makes $1M–$2M umbrellas standard for anyone with assets.
Personal Umbrella Insurance Questions We Hear Most
What underlying limits are required?
Typically 250/500 auto and $300K–$500K home liability. Lower limits leave a gap you must self-insure.
How much does it cost?
Usually a few hundred dollars per year for $1M, less than most people expect for the amount of protection.
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