Umbrella Insurance
Protect your savings when a serious accident exceeds your auto and home limits. We shop carriers for extra liability coverage.
Our commitment
Committed to doing insurance right, and doing it fast. Our vision: every property and project properly covered in minutes, with every rule followed.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
What this policy can cover
Liability above your other policies
An extra layer, usually starting at one million dollars, that sits over your home and auto liability.
The catastrophic accident
A serious at-fault crash or an injury on your property that exceeds your underlying limits.
Claims your other policies skip
Certain personal liability claims, like libel or slander, that home and auto policies do not address.
Legal defense
Defense costs for covered claims, which can be substantial on their own.
When an umbrella makes sense
Assets outgrow your limits
Savings and home equity worth more than your home and auto limits.
A young driver at home
Household drivers are typically covered by the umbrella.
Pools, trampolines or dogs
Named exposures at home are part of the quote.
More than one home
Every property is listed with its insurer and limit.
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- The underlying home and auto limits you already carry
- The number of drivers, vehicles and properties in the household
- Pools, trampolines, dogs and other named exposures
- The excess limit you want
Coverages that pair with this
Homeowners Insurance
The structure, everything inside it, and your liability as the owner of the place it happened.
Auto Insurance
Liability, damage to the car, and the other driver who turns out to have no insurance at all.
Renters Insurance
Your belongings and your liability in a building whose policy covers the landlord rather than you.
Questions we get asked
Who actually needs an umbrella policy?
Anyone whose assets and future earnings are worth more than their auto and home liability limits. That includes more ordinary households than people assume: a single serious at-fault accident can produce a judgment well beyond typical policy limits.
How much does a million dollars of coverage cost?
Umbrella coverage tends to be inexpensive for what it does, because it only pays after your other policies are exhausted. Price depends on your household's cars, drivers, homes, and history, so we quote it alongside your other policies.
Do I need certain limits on my home and auto first?
Yes. Carriers require minimum underlying liability limits on your auto and home policies before an umbrella attaches. We line those up as part of the quote so there is no gap between layers.
Does an umbrella cover my teenage driver?
Household members, including young drivers, are typically covered, which is exactly when the extra layer earns its keep. Underwriting will ask about all drivers up front.
Umbrella vs just raising my auto limits?
Raising underlying limits is often step one and sometimes enough. The umbrella adds a larger shared layer across home and auto at once, plus some coverages neither policy has. We can price both approaches side by side.
Does this policy cover your own injuries or property?
An umbrella is liability-only. It protects others' claims against you.
Does this policy cover business liability?
Business exposures belong on commercial policies. A personal umbrella sits over personal ones.
Does this policy cover intentional acts?
Deliberate harm is uninsurable.
Does this policy cover claims below your underlying limits?
The umbrella starts paying only after the home or auto policy beneath it is exhausted.
Can you write this where I live?
We offer coverage in the states where we are licensed. Begin a quote with the address of your business or risk, and we'll let you know which markets can write that location before you spend much time on the questions.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Start your quote online.
Fill in one short form or call us. No broker fees.