Extra liability
A shared layer, one million dollars and up, over your home and auto policies at once.
Umbrella Insurance
One serious accident can exceed your auto or home liability limits. An umbrella adds a layer above both, usually starting at a million dollars, for less than most people expect.
For the claim that is bigger than your policies
The umbrella sits quietly above your home and auto liability and only wakes up when they run out, which is exactly when you need it most.
Broader protection
Certain claims your underlying policies skip, like libel and slander.
Legal defense
Defense costs for covered claims, which alone can be substantial.
For households with something to protect
- Homeowners with equity and savings
- Families with young drivers
- Landlords with a rental property or two
- High earners whose future income is the asset
What this covers, and what it does not
Typically covered
- Liability above your other policiesAn extra layer, usually starting at one million dollars, that sits over your home and auto liability.
- The catastrophic accidentA serious at-fault crash or an injury on your property that exceeds your underlying limits.
- Claims your other policies skipCertain personal liability claims, like libel or slander, that home and auto policies do not address.
- Legal defenseDefense costs for covered claims, which can be substantial on their own.
Not covered here
- Your own injuries or propertyAn umbrella is liability-only. It protects others' claims against you.
- Business liabilityBusiness exposures belong on commercial policies. A personal umbrella sits over personal ones.
- Intentional actsDeliberate harm is uninsurable.
- Claims below your underlying limitsThe umbrella starts paying only after the home or auto policy beneath it is exhausted.
Frequently asked questions
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.
Coverages that pair with this
Price a million-dollar layer
Tell us about your household, homes, and drivers. We line up the layers and quote it alongside your other policies.