Umbrella Insurance
When your home or auto liability limits aren't enough, umbrella insurance provides an extra layer of protection — typically $1M or more. It's one of the most cost-effective coverages you can buy.
What Does Umbrella Insurance Cover?
Umbrella insurance extends your protection far beyond your standard policies.
Excess Liability
When a claim exceeds your auto or homeowners liability limits, umbrella insurance kicks in to cover the remaining costs — often up to $1M or more.
Legal Defense Costs
Covers attorney fees, court costs, and legal expenses when you're sued — even if the suit is frivolous. Legal defense alone can cost tens of thousands.
Broader Coverage
Umbrella policies may cover claims that your underlying policies don't — like libel, slander, defamation, and false imprisonment.
Worldwide Protection
Umbrella coverage typically follows you worldwide — protecting you from liability claims no matter where you are.
When Would You Need Umbrella Insurance?
Real scenarios where umbrella insurance can protect your financial future.
Frequently Asked Questions
How much does umbrella insurance cost?
Umbrella insurance is one of the most cost-effective coverages available. A $1 million policy typically costs just $200-400 per year. Additional millions are usually even cheaper — often $50-100 per million. It's an incredible value for the protection it provides.
How much umbrella coverage do I need?
A good rule of thumb is to carry enough umbrella coverage to protect your total net worth — including your home equity, savings, investments, and future earnings. Most people find that $1-2 million is appropriate, but higher-net-worth individuals may want $5M or more.
Do I need umbrella insurance if I already have home and auto insurance?
Your home and auto policies have liability limits — typically $100,000-$500,000. In today's litigious environment, a serious accident or lawsuit can easily exceed those limits. Without umbrella coverage, you'd be personally responsible for the difference, potentially putting your savings, home, and future earnings at risk.
What are the requirements for umbrella insurance?
Most carriers require you to carry certain minimum liability limits on your underlying home and auto policies before issuing an umbrella policy. Typical requirements are $250,000/$500,000 bodily injury on auto and $300,000 liability on homeowners. We'll help you meet these requirements when setting up your policy.
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