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Insurance by Need

Needing More Liability Protection

When your assets or activities outgrow the liability limits on your auto and home policies, one serious lawsuit can reach past that ceiling straight into your savings, home equity, and future income. An umbrella policy adds a layer of protection on top — and some landlords, boards, or courts may require higher limits than a standard policy provides.

Coverage to Consider Schedule Consultation

Who this coverage is for

This is for people whose net worth, income, or exposure has grown beyond typical policy limits — homeowners, landlords, or anyone with assets worth protecting. It's also for those told they need higher limits by a board, lender, or professional obligation.

What it can help protect

An umbrella policy backs up your existing coverage where it can run out:

  • Excess liability — an added layer over your auto and home limits when a claim exceeds them.
  • Legal defense — attorney costs for covered lawsuits, often beyond your underlying policies.
  • Broad situations — certain claims like libel or slander that basic policies may not address.
  • Your assets — savings, home equity, and future wages a large judgment could target.
  • Rental and extra exposures — added protection if you own rentals or higher-risk property.

How to start

The fastest starting point is a copy of your current declarations pages and a short note on why you think your liability needs may have changed.

Coverages to consider

The coverages most relevant to Needing More Liability Protection, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

Personal Umbrella Insurance

Adds $1M+ of liability above your existing policies.

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Recommended

Auto Insurance

Umbrella requires underlying auto limits.

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Recommended

Homeowners Insurance

Umbrella sits above your home liability.

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Have an advisor review the whole stack →

Common Questions