Personal Umbrella Insurance
One bad accident or lawsuit can exceed your home and auto limits — and the rest comes out of your pocket. An umbrella adds $1M+ of protection for a few hundred dollars a year.
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Protect everything you’ve built
Extra liability protection above your home and auto
Your auto and homeowners policies each include liability coverage — but only up to their limits. A serious at-fault accident, a guest injured at your home, or a lawsuit can blow right past those limits, and anything above them comes out of your pocket: your savings, your home, even future wages. A personal umbrella adds a layer of liability — typically $1 million or more — on top of your existing policies.
A real-world example
Say your auto policy carries a $300,000 liability limit and you cause an accident with $800,000 in injuries and damages. Without an umbrella, you owe the $500,000 difference. A $1 million umbrella absorbs it instead — including legal defense. For most families the premium is a few hundred dollars a year, which is why umbrellas are considered one of the best values in insurance.
Who should carry one
An umbrella makes sense if you have assets or income to protect — and especially if you have:
- A home, savings, or retirement accounts a lawsuit could target
- Teen drivers or multiple vehicles
- A pool, trampoline, or dogs
- Rental property or you serve on a nonprofit board
- A higher public profile or net worth
Umbrella insurance questions, answered
How much does a personal umbrella cost?
Often just a few hundred dollars a year for $1 million in coverage — one of the lowest costs-per-dollar-of-protection in insurance, because large claims are infrequent. We’ll quote it alongside your home and auto.
Do I need to have my home and auto with you?
Not necessarily, but umbrellas require underlying home and auto policies at minimum liability limits. It’s cleanest to coordinate it all with one agent, and we’re happy to review what you have.
How much umbrella coverage should I carry?
A common guideline is to cover at least your net worth, and often your future income too. Many families start at $1 million and go up from there. We’ll help you choose a limit that fits your assets and risk.
What does an umbrella not cover?
It’s liability coverage — it doesn’t pay for your own property or injuries, and it excludes business and intentional acts. For business exposure you’d want a commercial umbrella, which we also write.
Big protection, small price.
Let’s add an umbrella over your home and auto and make sure your assets are protected.