Excess auto liability
Can provide additional covered liability limits after the applicable underlying auto limit is exhausted.
Coverage Solutions
Umbrella Insurance
Extra liability protection above your everyday policies.
Coverage overview
Insurance that fits the way you live and work.
Personal umbrella insurance can provide an additional layer of liability protection above qualifying underlying policies such as auto and homeowners. It is designed for severe covered claims that could otherwise threaten savings, future income, or other assets.
Rather than treating insurance as a one-size-fits-all product, we start with the details that affect your exposure and your budget. Then we can compare available options and explain the tradeoffs in plain language.
What to consider
Common protection areas
Exact coverage depends on the policy, limits, endorsements, eligibility, exclusions, and carrier. These are common areas to discuss when building a quote.
Excess home liability
May extend covered personal liability protection above a qualifying homeowners, condo, or renters policy.
Certain personal liability exposures
Depending on the carrier and policy, umbrella coverage may address certain personal liability situations broader than an underlying policy.
Legal defense
Covered claims may include defense costs according to the umbrella policy terms.
Multiple properties or vehicles
Umbrella coverage can be useful for households with several cars, homes, boats, rental properties, or youthful drivers.
Asset protection planning
The purpose is to add liability capacity when a serious accident or lawsuit could exceed ordinary policy limits.
Who this can help
Coverage can be tailored around your situation.
We’ll ask a few questions about how the risk is used, who is involved, existing coverage, desired limits, and any lender, landlord, client, or contract requirements.
- Households with teen drivers
- Homeowners with pools or trampolines
- People with higher incomes or savings
- Landlords
- Boat or recreational vehicle owners
- Families with multiple autos or residences
Independent guidanceWe can help compare available carrier options instead of forcing every client into the same package.
Smart review points
Four things worth checking before you choose a policy
Price matters, but the structure of the coverage matters too.
Meet underlying limit requirements
Umbrella carriers typically require minimum liability limits on the policies underneath the umbrella.
List all exposures
Vehicles, residences, watercraft, rentals, and drivers should be disclosed so the umbrella is structured correctly.
Think beyond current net worth
Future income can also be exposed in liability litigation, depending on applicable law.
Coordinate renewals
Changes to underlying policies can create gaps if required limits or exposures are not kept aligned with the umbrella.
Our process
Simple from first question to policy review.
Tell us what you need
Share the basics and any current policy information you want us to compare.
Compare the options
We organize limits, deductibles, endorsements, and pricing so the differences are easier to understand.
Choose with context
We answer questions and help you understand the tradeoffs before you make a decision.
Review as life changes
Reach out when you move, buy, sell, hire, renovate, add drivers, or experience other meaningful changes.
Frequently asked questions
Umbrella Insurance FAQ
These answers are general educational information. Your policy documents and carrier rules control the actual coverage.
Visit the full insurance FAQ →How much umbrella insurance should I buy?
The answer depends on assets, income, household exposures, risk tolerance, and available policy limits. We can help compare common limit options.
Does an umbrella cover my own injuries or property?
Umbrella insurance is primarily liability protection for covered claims by others, not first-party coverage for your own property or medical expenses.
Can renters buy umbrella insurance?
Often yes, if the underlying renters and auto policies meet the carrier’s requirements.
Will the umbrella cover every lawsuit?
No. Umbrella policies contain exclusions, definitions, and requirements. Business activities, intentional acts, and certain other exposures may be excluded or require separate coverage.
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Explore CoverageImportant: Coverage descriptions on this website are general summaries only and do not modify any insurance policy. Availability, eligibility, exclusions, limits, deductibles, terms, and pricing vary by carrier and state. The issued policy and endorsements control.
Let’s review your options
Protect what matters most.
Start with a quote request or call our team to talk through your situation.