Personal Lines
Personal Umbrella Insurance
Your home and auto policies do a lot — but they have limits. A personal umbrella policy picks up where they leave off, starting at $1 million in extra liability coverage.
An Extra Layer When It Matters Most
A serious accident, a lawsuit, or an injury on your property can result in damages that exceed what your standard policies cover. Once those limits are exhausted, you're personally responsible for the rest. A personal umbrella policy is designed to protect your savings, your home, and your future from exactly that scenario.
What It Covers
Umbrella insurance extends your liability protection across a wide range of situations.
Serious Auto Accidents
If you cause a multi-car accident with significant injuries, medical bills and legal costs can quickly exceed your auto policy's liability limits. Umbrella coverage steps in to cover the gap.
Injuries on Your Property
A guest slips and falls, a neighbor's child is injured in your pool, or a contractor is hurt on your property. If your homeowners liability limit isn't enough, umbrella coverage takes over.
Lawsuits & Legal Defense
Umbrella policies typically cover legal defense costs even when a lawsuit is groundless. Attorney fees alone can be substantial — this coverage helps protect you through the entire process.
Libel, Slander & Personal Liability
Certain umbrella policies extend to personal liability claims like libel or slander — situations your home or auto policy may not cover at all.
How It Works
Your primary policy pays first
Your home or auto policy responds to a claim up to its liability limit — just as it normally would.
Umbrella coverage kicks in
Once your primary policy's limit is reached, your umbrella policy takes over and covers additional damages up to its limit — typically $1M to $5M.
Your assets stay protected
Without umbrella coverage, a judgment exceeding your policy limits could put your savings, home equity, and future income at risk. Umbrella insurance prevents that.
Who Should Consider It
Umbrella insurance is often thought of as coverage for the wealthy — but anyone with assets worth protecting, or significant exposure to liability, can benefit from it.
Talk to an AgentFind Out What Coverage Makes Sense for You
Umbrella policies are often more affordable than people expect. We'll review your current coverage and help you decide if an umbrella policy is the right fit.