What is Umbrella Insurance?
Umbrella insurance provides an extra layer of liability protection that goes beyond the limits of your auto, home, renters, or other primary insurance policies. If a claim or lawsuit exceeds those limits, your umbrella policy steps in to cover the remaining costs so you’re not paying out of pocket.
Think of it as a financial safety net that shields your savings, investments, home equity, and even future earnings from large lawsuits, major accidents, or unexpected liability claims.
Professional & Confident
Complete protection designed to strengthen your business and secure your future.
Millions in extra liability
Add $1M–$5M+ on top of your home, auto, or renters liability limits.
Protect assets & income
Helps shield savings, property, and future wages from large lawsuits.
Worldwide coverage
Follows you and your household even when traveling.
Affordable
High limits, surprisingly low cost often less than a daily coffee.
Why You Need Umbrella Coverage
Protect everything you’ve worked hard to build with an extra layer of liability protection that keeps your savings, home, and future income safe from large lawsuits or unexpected accidents. When your underlying policies max out, umbrella coverage steps in so a single incident doesn’t derail your financial future.
Asset Protection
Safeguards your home, savings, investments, and other valuable assets from large lawsuits or unexpected liability claims.
Family Security
Extends liability protection to your entire household, covering claims involving family members often including teens and young drivers.
Legal Defense
Covers attorney fees, court costs, and legal expenses, even if you’re not found liable. Lawsuits are expensive umbrella coverage absorbs that risk.
Affordable Peace
Add an extra $1–$5 million in liability protection for as little as $150–$300 per year on average.
Peace of Mind
Safeguards your home, savings, investments, and other valuable assets from lawsuits.
Extra Layer of Protection
Provides liability limits that go beyond your existing home, auto, or renters policies keeping you one step ahead of major financial risks.
When Umbrella Insurance Protects You
From major accidents to unexpected lawsuits, umbrella coverage fills the gap when your primary insurance runs out keeping your assets and future safe.
Frequently Asked Questions
How much umbrella coverage should I get?
Most people start with $1 million in additional coverage, but depending on your assets, occupation, or lifestyle, you may want $2–$5 million or more. A licensed advisor can help calculate the right limit for your situation.
Does umbrella insurance cover me internationally?
Yes, most umbrella policies provide worldwide liability coverage. This means you are protected against lawsuits resulting from incidents that occur while you are traveling abroad, unlike many standard auto or home policies which may have geographic limits.
What is not covered by umbrella insurance?
Umbrella insurance does not cover your own injuries or damage to your own property. It also typically excludes intentional acts, criminal activities, liability related to a business (unless you have a commercial umbrella policy), and liability assumed under a contract.
How do I qualify for umbrella insurance?
To qualify, insurers generally require you to carry specific minimum liability limits on your underlying policies (e.g., $250,000/$500,000 for auto and $300,000 for homeowners). This ensures the umbrella policy only kicks in after significant coverage is exhausted.
Is umbrella insurance expensive compared to what it covers?
No, it is considered one of the most cost-effective insurance products available. For a relatively low annual premium (often between $150 and $300 for the first $1 million), you receive a massive amount of liability protection, making it an excellent value for asset protection.
Can I add my rental properties or vacation homes to my umbrella policy?
Yes, most personal umbrella policies allow you to extend coverage to rental properties or vacation homes you own. You will typically need to list these properties on the policy and maintain required underlying liability limits for each location.