Umbrella Insurance Extra Protection When It Matters Most.

A personal umbrella policy adds an extra layer of liability protection on top of your home, auto and boat insurance. If a serious accident or lawsuit goes beyond your regular limits, your umbrella helps protect your savings, your home and your future.

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Why People Carry a Personal Umbrella Policy

Your home and auto policies have limits. An umbrella policy steps in when a claim is bigger than those limits, so one bad day doesn't put everything you've worked for at risk.

Protects Your Savings and Assets

Lawsuits don't stop at your policy limits.

If a judgment is larger than your home or auto limits, you could be personally responsible for the rest.
An umbrella pays above those limits, helping protect your home, savings and investments.
Coverage usually starts at $1 million.

Best for: Homeowners and anyone with savings, investments or property to protect.

Serious Auto Accidents

One crash can cost more than your auto limits.

Medical bills and lost wages from a serious accident can reach hundreds of thousands of dollars.
Your umbrella picks up where your auto liability coverage ends.
Covers you and household members, including teen drivers.

Best for: Families with teen drivers, long commutes or multiple vehicles.

Pools, Dogs and Guests

Everyday risks at home add up.

Covers large claims from pool accidents, dog bites and trampoline injuries.
Protects you when a guest is seriously hurt on your property.
Adds extra limits on top of your homeowners liability.

Best for: Homeowners with pools or pets, or who entertain often.

Boats, Rentals and Toys

Coverage that follows your lifestyle.

Extends over your boat, jet ski and golf cart liability policies.
Can add protection for rental properties you own.
One policy stacks on top of several underlying policies.

Best for: Boat owners, landlords and anyone with recreational vehicles.

Claims Other Policies May Not Cover

Some risks fall outside your regular policies.

Can cover personal injury claims like libel, slander or defamation, including things said online.
Coverage often applies worldwide, not just at home.
May extend to certain volunteer activities.

Best for: Anyone active on social media, coaches, volunteers and frequent travelers.

Legal Defense Costs

Lawyers are expensive, even if you did nothing wrong.

Pays attorney fees and court costs for covered claims.
Defense costs are often paid in addition to your coverage limit.
Helps even when a lawsuit turns out to be groundless.

Best for: Anyone who wants peace of mind against a costly lawsuit.

How an Umbrella Policy Works

Say you cause a serious car accident and are sued for $800,000, but your auto liability limit is $300,000.

Example of a lawsuit with and without an umbrella policy
Example	Without an Umbrella	With a $1M Umbrella
Lawsuit judgment against you	$800,000	$800,000
Your auto liability policy pays	$300,000	$300,000
Your $1 million umbrella pays	$0	$500,000
You pay out of pocket	$500,000	$0

This example is for illustration only. Actual coverage depends on your policies, limits and the details of the claim.

Who Should Consider an Umbrella Policy?

If any of these sound like you, an umbrella policy is worth a conversation.

You own a home
You have a pool or trampoline
You own a dog
You have a teen driver
You own a boat or jet ski
You own rental property
You have savings or investments
You coach or volunteer
You're active on social media
You entertain guests often
You drive a lot for work or family
You want to protect future income

Not sure how much coverage you need?

Umbrella Insurance at a Glance

A little extra coverage goes a long way.

$1 million

Is where most personal umbrella policies start

Higher limits are usually available in $1 million steps as your needs grow.

A few hundred

Dollars a year is what $1 million often costs

For the protection it adds, an umbrella is one of the most affordable coverages you can buy.

Whole household

Is typically covered

Your spouse and relatives living in your home are usually included on your policy.

Worldwide

Coverage often goes wherever you go

Many umbrella policies protect you on vacation and when traveling abroad.

Protect Everything You've Worked For.

We'll review your home and auto limits and show you what an umbrella policy would cost.