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Personal coverage

Personal Umbrella Insurance

Your home and auto policies each cap how much they'll pay for liability, and a single serious accident or lawsuit can blow right past those limits — leaving your savings, home, and future wages exposed. A personal umbrella policy adds an extra layer of liability protection, typically a million dollars or more, on top of what your existing policies already cover.

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Who this coverage is for

This is for people who want a financial safety net that sits on top of their existing home and auto policies. If a serious accident or lawsuit ever exceeds the limits on those policies, an umbrella policy adds another layer of protection so your savings and assets are less exposed.

What it can help protect

An umbrella policy extends your liability protection higher and wider:

  • Above your auto policy — extra coverage if a car accident claim goes beyond your auto limits.
  • Above your home policy — extra coverage if an injury claim at your home exceeds those limits.
  • Legal defense — help with the cost of defending certain covered claims against you.
  • Broader situations — some claims, such as certain personal injury allegations, that your base policies may not fully address.
Regularly misunderstood coverages
Personal Umbrella vs. Raising Liability Limits

An umbrella, or just higher limits on what you have?

Key choices and underwriting factors

A licensed review will usually focus on underlying limit requirements, household driver and property profile, and target limit by lifestyle and asset profile.

Common Questions