Personal Umbrella Insurance

Independent broker. Extra liability limits that sit above your home, auto, and more—protecting savings and future income.

🛡️Higher liability limits ⚖️Legal defense included 🏠Over home/auto/base policies
📘 What an umbrella does

A personal umbrella provides an extra layer of liability coverage (often $1M–$5M+) after your underlying policies (home, auto, rental, etc.) reach their limits. As your independent broker, we’ll compare carriers and make sure your base policies meet required minimums.

📏 Typical underlying requirements
  • Auto liability (e.g., 250/500/100 or similar combined single limit).
  • Home/renters liability (often $300k+).
  • All household vehicles/drivers listed with adequate limits.
✅ What’s typically covered
  • Personal liability above your underlying limits.
  • Defense costs (subject to policy terms).
  • Worldwide coverage for many situations.
🚫 What’s usually not covered
  • Business-related liability (consider a commercial umbrella).
  • Intentional acts or criminal activity.
  • Boats, rentals, or properties not listed/underlying limits not met.
💵 How much does $1M usually cost?

Varies by drivers, vehicles, claims, and limits. We’ll shop multiple carriers and show you clear pricing tiers ($1M, $2M, $5M).

🪪 Do all drivers in the home need to be listed?

Usually yes—especially licensed teen or household drivers. We’ll confirm each carrier’s rules and avoid surprises at claim time.

🌍 Is it worldwide?

Many policies apply worldwide, but terms vary. We’ll check territory and any exclusions for the way you live and travel.

Want extra protection above home & auto?

Tell us your current limits and household drivers. We’ll compare umbrella options across carriers.

Discuss umbrella insurance