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Personal umbrella
Extra liability limits that sit on top of your home and auto policies. Usually the best value in personal insurance.
Start the personal umbrella application →- What it covers
- Everything above your home and auto liability limits
- Legal defense once the underlying policy is used up
- Some claims your primary policies exclude, like libel and slander
- Rental properties you own, if scheduled
- What it doesn't cover
- Damage to your own property
- Anything from a business you run — that needs commercial coverage
- Typical limits
- $1M to $5M. Carriers require underlying limits, usually 250/500 on auto and $300K on the home policy.
- Worth knowing
- A serious auto accident with injuries can exceed $500K quickly. If you own a home, have equity, or have teenage drivers, this is the coverage that protects what you've built.
Common questions about personal umbrella
What does personal umbrella cover?
Everything above your home and auto liability limits. Legal defense once the underlying policy is used up. Some claims your primary policies exclude, like libel and slander. Rental properties you own, if scheduled.
What does personal umbrella not cover?
Damage to your own property. Anything from a business you run — that needs commercial coverage.
What limits are typical?
$1M to $5M. Carriers require underlying limits, usually 250/500 on auto and $300K on the home policy.
What should I watch out for?
A serious auto accident with injuries can exceed $500K quickly. If you own a home, have equity, or have teenage drivers, this is the coverage that protects what you've built.