Coverage

Umbrella coverage,
extra peace of mind.

An extra layer of liability protection that sits on top of your home and auto policies. Often the cheapest insurance you'll ever buy, dollar-for-dollar.

Why an umbrella matters

Your home and auto policies have liability limits — typically $300,000 or $500,000. A serious car accident, a guest injured at your house, or a lawsuit can easily exceed those limits. When that happens, your personal assets are on the line.

Umbrella coverage starts at $1 million and goes up from there. It picks up where your underlying policies stop, and it covers things those policies don't — like libel, slander, and false arrest claims.

For most families, $1M of umbrella coverage costs $200–$400 per year. That's pennies per dollar of protection.

You probably need umbrella if you...

  • ✓
    Own a home
  • ✓
    Have teenage drivers
  • ✓
    Own a pool, trampoline, or dog
  • ✓
    Host gatherings or rent property
  • ✓
    Have meaningful savings, investments, or future income to protect
  • ✓
    Coach, volunteer, or sit on a non-profit board
Add an umbrella

How it works in practice

A simple example of how the layers stack.

Scenario: at-fault auto accident, $1.2M in damages

  • →
    Auto liability pays firstYour auto policy with $300K bodily injury limit covers the first $300,000.
  • →
    Umbrella kicks inYour $1M umbrella covers the next $900,000.
  • →
    Total covered: $1.2MYou owe $0 out of pocket. Without umbrella, you'd owe $900,000.

Frequently asked questions

Do I have to bundle umbrella with my home and auto?
Most carriers require you to have your home and auto with them (or another approved carrier) to write umbrella. We can structure the bundle either way.
What are the underlying coverage requirements?
Typical minimums are $250K/$500K bodily injury and $100K property damage on auto, and $300K liability on homeowners. We'll review your existing limits and bump them up if needed before adding the umbrella.
How much umbrella coverage should I have?
A common rule of thumb: cover your net worth plus future earning potential. $1M is the typical starting point; $2M and $5M policies are increasingly common for households with growing assets.
What does umbrella NOT cover?
Business activities (you'd need a commercial umbrella), intentional acts, and damage to your own property. We'll walk through exclusions carefully so you know what's in and out.

Add a million dollars of protection for less than a coffee a day

Get an umbrella quote alongside your home and auto.

Get an Umbrella Quote Schedule a Call