Extra liability protection
When your limits aren't enough.
Umbrella insurance provides extra liability coverage above your auto, home, or business policies.
Affordable protection for life's "what ifs" - because lawsuits can exceed your policy limits.
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Licensed pros walk you through quotes, discounts, and next steps in minutes.
Umbrella Insurance 101
What is umbrella insurance?
Umbrella insurance provides additional liability coverage above the limits of your existing policies. If you're sued for more than your auto or home policy covers, umbrella insurance kicks in to cover the rest.
Umbrella policies typically start at $1 million in coverage and are surprisingly affordable - often $150-300/year for the first million. They're recommended for anyone with assets to protect.
How it works
Getting covered is easier than you think
Whether you're buying your first policy or switching providers, we make it simple to find the right coverage at the right price.
Step 1
Review your assets
We help you understand how much umbrella coverage you need.
Quick assessment
Step 2
Check underlying limits
Make sure your auto and home policies meet umbrella requirements.
We help coordinate
Step 3
Add umbrella protection
Get $1 million or more in additional liability coverage.
Coverage starts immediately
Key decisions
Everything you need to make the right choice
Learn how umbrella insurance works, discover ways to save, and get the protection you need—all without the headache.
Protect your assets
Safeguard savings, investments, and future earnings from major lawsuits.
Affordable coverage
$1 million in protection for roughly $150-$300 per year.
Broader protection
Covers claims your auto and home policies might exclude.
Guided help
Real people ready to help when you need it
Our licensed insurance agents work with local agencies across the country. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.
- Determining the right amount of umbrella coverage for your situation
- Understanding how umbrella policies work with auto and home insurance
- Finding multi-policy discounts by bundling umbrella with existing coverage
- Explaining what umbrella insurance does and doesn't cover
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about umbrella insurance
What does umbrella insurance cover that my other policies don't?
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Umbrella insurance kicks in when you exhaust the liability limits on your auto or home policy. It can cover some claims that may be excluded by other policies, like libel, slander, and false arrest. It protects your savings, investments, and future earnings from large lawsuits.
How much umbrella coverage do I need?
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A common rule: your umbrella coverage should at least equal your net worth (assets minus debts). If you have a pool, trampoline, teen drivers, or rent out property, consider more. Most people choose $1-2 million, but coverage up to $10 million is available.
Do I need certain liability limits on my other policies first?
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Yes. To get umbrella coverage, insurers require minimum liability limits on your auto and home policies—typically $250,000/$500,000 for auto and $300,000 for home. The umbrella policy begins where these underlying policies end.
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Umbrella Insurance guides and resources
Dive deeper into umbrella insurance topics with our in-depth guides and comparisons.
Umbrella Insurance in 2026
Nuclear verdicts topped $31B in 2024. Learn why umbrella insurance is essential for protecting your assets in 2026, with costs from just $150/year.
Read moreIllinois Umbrella Insurance
Protect your assets from Cook County's nuclear verdicts. Get $1M umbrella coverage for $1/day. Essential guide for Illinois residents facing lawsuit risks.
Read morePennsylvania Umbrella Insurance
Pennsylvania umbrella insurance costs $150-$300/year for $1M coverage. Learn how umbrella policies protect your assets beyond standard home and auto limits.
Read moreGeorgia Umbrella Insurance
Georgia lawsuit verdicts surged 116% in 2024. Umbrella insurance adds $1M-$5M liability coverage for $200-400/year. Essential protection for Atlanta drivers.
Read moreTexas Umbrella Insurance
Texas led the nation with 23 verdicts over $10M in 2024. Learn why umbrella insurance is essential and how $1M in coverage costs just $150-$400/year.
Read moreFlorida Umbrella Insurance
Florida's high litigation risk makes umbrella insurance essential. Learn about costs ($150-$400/year), coverage amounts, and why slip-and-fall capital needs it.
Read moreReferenceInsurance Glossary
Learn common insurance terms and definitions to better understand your coverage options.
Read moreExplore other insurance coverage
Many customers who bundle coverage find they save money. Compare quotes to see what works best for you.