Excess Liability Limits
Provides $1,000,000 to $5,000,000+ in additional liability over your underlying auto, homeowners, and boat policies.
Personal umbrella insurance
Personal umbrella insurance for high-limit liability and asset protection.
Standard auto and homeowners liability limits can be exhausted quickly by a serious accident or lawsuit. A personal umbrella policy provides extra layers of liability protection to shield your home, savings, and future income.
Umbrella quote start
What is prompting you to add umbrella coverage?
Growing personal assets, youthful drivers in the house, swimming pools, rental properties, or a high-net-worth review are all strong reasons for umbrella protection.
High-limit liability protection
Extra liability coverage starting where standard policies end.
A major auto collision or property injury judgment can exceed standard $300k or $500k policy limits. Umbrella coverage provides $1M to $5M+ in supplemental liability protection and attorney defense.
What umbrella insurance covers
Broad excess liability over all underlying personal policies.
Legal Defense Outside Limits
Covers independent attorney defense fees and court costs in addition to the stated policy limit.
Worldwide Liability
Protects you and covered household members against eligible liability claims anywhere in the world.
Umbrella quote inputs
Underlying policy details that determine umbrella eligibility.
- Underlying auto & home limitsCurrent liability limits on your auto and home policies (typically $250k/500k auto and $300k home required).
- Vehicles, drivers & propertiesTotal vehicles, licensed drivers, youthful operators, rental properties, boats, and recreational toys.
- Desired umbrella limitChoice of $1M, $2M, $3M, or $5M in excess liability protection based on your net worth.
Related coverage
Umbrella insurance markets
We compare umbrella carriers offering high-limit excess liability.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed company is not a promise of a quote, price, placement, or coverage.
Umbrella-specific underwriting inputs
Underlying limits and risk exposures determine umbrella pricing.
Underlying limit harmonization
Umbrella policies require minimum underlying liability limits on auto ($250k/$500k) and home ($300k) to prevent coverage gaps.
Youthful & senior drivers
Number of drivers under age 25 or with recent moving violations directly influences carrier tier placement.
Stand-alone vs packaged umbrella
We offer both bundled umbrella policies and stand-alone options from specialty carriers like RLI when carriers are split.
Umbrella insurance questions
Questions clients ask about personal umbrella coverage.
Do I have to move all my insurance to one carrier for umbrella?
Not necessarily. While packaged carriers offer multi-policy discounts, we also write stand-alone umbrella policies (such as RLI) that sit over policies with different carriers.
How much umbrella insurance do I need?
A common benchmark is having enough liability protection to match or exceed your total net worth, including home equity, savings, investments, and future earnings.
Does umbrella insurance cover lawsuits for libel or slander?
Yes. Most comprehensive personal umbrella policies include personal injury coverage, which covers libel, slander, false arrest, and invasion of privacy.
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