Personal Insurance
Umbrella Insurance
Umbrella insurance provides a broad, extra layer of liability protection that kicks in when the limits on your existing auto, home, or other policies run out. If you're involved in a serious accident, a major lawsuit, or a situation that leads to a large claim, an umbrella policy can prevent your savings, investments, and future earnings from being at risk. It's one of the most affordable ways to protect everything you've built.
What Umbrella Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Excess liability coverage above and beyond your auto and homeowners policy limits
Legal defense costs even when a lawsuit is unfounded
Bodily injury claims from accidents you're responsible for
Property damage claims that exceed your underlying policy limits
Personal liability situations like dog bites, slip and falls, or rental property incidents
Certain personal injury claims such as defamation or invasion of privacy
Who Often Explores Umbrella Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Homeowners with significant equity, savings, or investment assets to protect
Landlords who own rental properties and face expanded liability exposure
Parents of teen drivers whose auto liability risks are higher
People who frequently host guests or entertain at home
Business owners who also want personal umbrella protection
Anyone who wants peace of mind knowing they're covered for the unexpected
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
Ready to Get Covered?
Get Your Umbrella Insurance Quote Today
Answer a few quick questions and we'll connect you with options from 96+ top carriers — tailored to your needs and your state.
Coverage options vary by carrier and state. A licensed agent can explain details and availability.
Free Tool
See Everything Your Household Might Need
Umbrella insurance is one piece of your full protection picture. Use our Personal Coverage Finder to get personalized recommendations based on your home, vehicles, and priorities — in under a minute.
- Covers home, vehicles, and specialty items
- Recommendations ranked Essential, Recommended, or Consider
- Direct links to learn more or start a quote
- Free, no email required
Personal Coverage Finder
What Coverage Do You Need?
What best describes your living situation?