Personal Umbrella Insurance, explained.
Extra liability above your home and auto — for surprisingly little money.
Personal Umbrella Insurance
A Personal Umbrella adds $1M–$5M+ of liability above your home and auto policies. It responds when a single claim or judgment runs past the underlying limits and protects everything you’ve built.
A serious at-fault accident or major injury at your home can blow past primary limits. A judgment in excess of your coverage can come for your savings, your home, even future wages. Umbrella is the cheapest "what if it’s a really bad day" insurance you can buy.
Is this for you?
Inside a Personal Umbrella policy.
When this coverage pays off.
Serious auto accident
You cause a multi-car accident with significant injuries. Auto pays its limit; the umbrella covers the rest.
Pool incident at home
A guest is severely injured at your pool. Home liability hits its cap; umbrella absorbs the additional judgment.
Teen driver event
Your teen causes a serious accident. Umbrella protects family assets from a large excess judgment.
Plain-language answers.
Roughly the value of your net worth, plus a buffer for future earnings. $1M–$2M is a common starting point.
Often $200–$500 per year for $1M — one of the best dollar-for-dollar protections in insurance.
Yes — umbrella carriers require minimum auto and home liability limits underneath.
Ready for a Personal Umbrella quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.