Personal Umbrella Insurance — Extra Protection for Your Family
A personal umbrella policy provides an extra layer of liability protection above your auto and homeowners insurance. If a major accident or lawsuit exceeds your underlying policy limits, your umbrella kicks in — protecting your savings, investments, and future income from being wiped out by a single claim.
Coverages we place
- Excess liability above auto insurance limits
- Excess liability above homeowners insurance limits
- Broader coverage for claims not covered by underlying policies
- Legal defense costs
- Worldwide coverage
- Available in $1M–$5M+ increments
Who needs this coverage
Families with assets to protect, homeowners, anyone with a pool or trampoline, dog owners, landlords, and anyone whose lifestyle or net worth creates significant liability exposure. It's especially important if you have teen drivers.
What drives your premium
- Number of vehicles and drivers
- Property count
- Underlying policy limits
- Claims history
- Coverage amount selected
Common exclusions
- Business-related liability (requires commercial umbrella)
- Intentional acts
- Workers' compensation
- Professional liability
Frequently asked questions
How much does a personal umbrella policy cost?
$1M in umbrella coverage typically costs $200–$500/year — one of the best values in insurance. Each additional million usually adds $75–$150/year.
Do I need an umbrella if I already have high auto and home limits?
Yes. A serious car accident, dog bite, or pool accident can easily exceed even generous auto/home limits. A $1M umbrella costs pennies per day and protects your family's financial future.
Related coverage
Get a free quote or call (321) 206-8035.