PERSONAL UMBRELLA INSURANCE
An extra layer
of liability protection.
A serious liability claim can reach beyond the limits of your other policies. We’ll help you explore how personal umbrella insurance could fit with your existing coverage.
HOW THE LAYERS CAN WORK TOGETHER
Start with existing liability coverage.
A covered claim is addressed under the applicable auto, home, or other underlying policy.
Add a further layer.
For a qualifying claim beyond the required underlying limits, umbrella coverage may apply up to its own limit.
A simplified illustration. Both policies’ terms, limits, and exclusions matter.
START WITH THE LIABILITY YOU ALREADY HAVE
Think about where
your policies connect.
We can review the coverage you carry and discuss where an umbrella policy may add protection.
On the road
Ask how an umbrella could work above your auto liability coverage after a serious covered accident.
At home
Discuss liability claims involving injuries or damage to others, and how an umbrella fits with your home coverage.
Beyond the everyday
Tell us about boats, rental properties, and other exposures. Ask whether and how they can be included.
THE DETAILS MATTER
An umbrella policy
has requirements, too.
Insurers set requirements for underlying liability policies and limits. We can help you review them alongside the umbrella proposal, rather than assuming every policy fits together automatically.
Questions to ask before choosing
- Which underlying policies and limits are required?
- Who in the household is insured?
- Are boats, rentals, or other exposures included?
- What exclusions or retained amounts apply?
- How are defense costs handled?
LET’S START WITH YOUR CURRENT COVERAGE
Bring the policies.
We’ll help with the comparison.
Your existing declarations pages can help us understand the limits you have. Tell us about household drivers, properties, watercraft, and any changes you’re planning so we can discuss the available options.
YOUR QUOTE IS PERSONAL
Pricing depends on your situation.
Premiums vary with the insurer, coverage limit, household, vehicles, properties, and other exposures. Request a current quote rather than relying on a general starting price.
LET’S GET YOUR UMBRELLA QUOTE STARTED
Ask about your next layer.
Select Other below and tell us you’re interested in personal umbrella insurance. Let us know which policies you already have and any particular questions.
Descriptions are general; coverage and eligibility depend on the insurer and policy. Submitting this form does not bind coverage or make a policy change. Please keep sensitive financial details out of general message fields. Privacy Policy.