Personal Umbrella Insurance-Extra Liability for Life's Big Surprises

Simple Explanation, Serious Protection

A personal umbrella policy provides extra liability coverage above your auto, home, boat, or rental property insurance. If a major claim exceeds your underlying limits-like a severe car accident, guest injury, or even a covered libel lawsuit-umbrella insurance steps in to cover the excess. Think of it as your financial safety net, starting at $1 million and going higher as needed.

Not Just for the Wealthy-Common Scenarios

If you could be held legally responsible for a costly accident or injury, umbrella insurance is for you.

You have significant assets, savings, or future income to protect

You own a home, rental property, or swimming pool/trampoline

You have teen drivers or frequently drive others

You host guests often (parties, BBQs, holidays)

You own a boat, ATV, or recreational vehicles

You're a landlord or have a high-profile/online presence

Extends the Limits of Your Base Policies

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Adds $1M+ protection above the liability limits of your auto, home, boat, or renters insurance

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Covers serious injury claims, property damage, legal defense, and certain personal lawsuits (like libel or slander, depending on carrier)

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Kicks in only after underlying policy limits are exhausted

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Available in increments ($1M, $2M, $5M+), usually at a modest cost

Eligibility Checklist-We'll Guide You

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Required underlying liability limits (e.g., $250k/$500k auto, $300k home-varies by carrier)

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Good driving record for all household drivers

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All major exposures (homes, autos, boats, rentals) insured with qualifying policies

As an independent agency, we review your coverage and coordinate all requirements up front.

Real-Life Examples

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Major auto accident-multiple injuries, lawsuits, medical bills exceeding your car policy's limits

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Guest injury on your property-pool, trampoline, or a fall during a party

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Landlord liability-tenant or guest injury in your rental home

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Slander/libel lawsuit-an online post or social media incident

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Large dog bite or boating accident

Know the Boundaries

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Damage to your own property (it's for liability, not physical property)

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Business-related liability (see commercial umbrella policies)

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Intentional acts or criminal behavior

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Some exclusions vary by carrier-always review your policy

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Personal Umbrella Insurance Questions-Answered

  • What does a personal umbrella policy cover?

    Extra liability protection for auto, home, watercraft, rental, and more.

  • How much umbrella insurance do I need?

    Most policies start at $1M, but we'll help you decide based on your assets, risks, and lifestyle.

  • Is umbrella insurance worth it?

    For most households with assets to protect, yes-the cost is low for the coverage gained.

  • Do I need umbrella if I have home & auto?

    If you want protection above your current liability limits, yes.

  • Will the umbrella really apply when I need it?

    We review eligibility and underlying limits up front, so you're not left guessing at claim time.

Protect More, Stress Less-Get a Personal Umbrella Quote

One quick conversation, multiple options, clear requirements. Let's see what a million-dollar safety net looks like for you.