Personal Umbrella Insurance Quote
Extra liability protection over your home and auto policies
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Higher Liability Limits
Extended protection beyond your home and auto policies
Broader Coverage
Personal liability protection for various situations
Affordable Peace of Mind
Cost-effective way to increase your liability protection
Multi-Policy Discounts
Save when bundled with other insurance policies
Personal Umbrella Overview
Extended liability protection explained.
Purpose
Adds excess liability limits above home, auto, rental, and certain recreational policies when underlying limits are exhausted.
Typical Underlying Requirements
- Auto: 250/500 BI, 100 PD
- Home: $300K Liability
- Rental Property: $300K Liability
- Watercraft limits vary
Common Triggers
- Serious auto bodily injury claim
- Premises liability lawsuit
- Defamation / personal injury (varies)
Not Typically Covered
- Business pursuits
- Intentional acts
- Professional liability
- Workers comp exposures
Eligibility depends on driving history, property count, and prior losses.