Who is Umbrella Insurance for?

Umbrella insurance, also known as excess personal liability insurance, isn’t just for the wealthy.


If you:

drive a motor vehicle,

own property,

have children or teens in your home,

have a swimming pool or trampoline,

own a business, or

have an ATV, RV, boat, or motorcycle,


then umbrella insurance is definitely worth considering.


Your umbrella policy shields you and your family when the unexpected happens. It offers additional insurance protection above your current auto and homeowners policies that secures the lifestyle you've worked hard for.


Your assets, your college fund, your nest egg, your retirement savings — they could be at risk from legal liability claims without the right level of coverage. With personal umbrella coverage you get added liability protection, to cover the following:

  • Up to $10 million in coverage that extends well beyond your home and auto insurance policies.

  • Personal injury coverage for claims of libel, slander, defamation of character and more.

  • Worldwide coverage for incidents that happen abroad.

  • Vacation rental liability protection for boats, jet skis, scooters and other rentals.

  • Defense coverage for attorneys' fees and other legal costs.

Consider this example scenario: You're sued for $1 million after an auto accident or an incident on your home or property, but your current insurance only covers up to $500,000 in damages. Who's responsible for the other $500,000 if you're ordered to pay it? You! Unless you have personal umbrella insurance, which covers you and your family by paying claims that exceed the liability limits of your existing auto or homeowners policy. With personal umbrella coverage, your home and lifestyle are safe.


Stay in control with an umbrella policy, even if you can't control events. Often for less than $1 a day you can protect the comforts and the people you hold dear. Umbrella policies are typically tied to your auto insurance, although this varies among insurance companies.

We’re here to answer questions you may have and get you set up with a policy that works for you.


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