Personal Insurance
Personal Umbrella Insurance, explained.
Extra liability above your home and auto, for surprisingly little money.
Personal Umbrella Insurance
A Personal Umbrella adds $1M to $5M+ of liability above your home and auto policies. It responds when a single claim or judgment runs past the underlying limits and protects everything you’ve built.
Inside a Personal Umbrella policy.
Excess liability above home and auto
Excess liability above watercraft and RV policies (where scheduled)
Libel, slander and personal injury coverage
Defense costs in excess of underlying limits
Worldwide coverage (subject to policy)
Is this for you?
Anyone with assets to protect
Households with teen drivers
Homeowners with a pool, trampoline, or dogs
Frequent hosts and entertainers
Anyone with rental property or board service
Plain language answers.
How much umbrella do I need?
Roughly the value of your net worth, plus a buffer for future earnings. $1M to $2M is a common starting point.
How much does it cost?
Often $200 to $500 per year for $1M, one of the best dollar for dollar protections in insurance.
Do I need to keep underlying limits?
Yes, umbrella carriers require minimum auto and home liability limits underneath.
Coverages that pair well with this one.
Ready for a Personal Umbrella quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.