Umbrella Insurance That Gives You Room to Breathe
When life goes off-script, umbrella insurance adds extra protection to your home, auto, or personal liability policies—helping you protect your assets and peace of mind.
Extra Coverage for Life’s Big What-Ifs
If a major claim exceeds your base insurance limits, an umbrella policy kicks in. It’s affordable, flexible, and ideal for households with greater liability exposure.
Liability Beyond Home & Auto
Adds $1 million or more beyond your base policy limits.
- Covers legal defense, settlements, and judgments
- Applies to home, auto, and recreational vehicle liability
- Helps protect retirement savings and property
Broader Protection Across Policies
Fills coverage gaps and strengthens your protection.
- Covers incidents not always included in base policies
- Applies even while traveling or off your property
- Important for families with teen drivers, pets, or frequent guests
Peace of Mind for the Unexpected
A single accident can have big consequences. Umbrella coverage gives you breathing room.
- Recommended for higher-net-worth households
- Especially useful if you host events, volunteer, or serve on a board
- Easy to bundle with personal insurance packages
Common Questions About Umbrella Insurance
Do I really need umbrella coverage?
If you have significant assets or exposure, it’s one of the most cost-effective protections you can add.
How much does it cost?
Most policies cost just a few hundred dollars per year for $1 million in coverage.
Can I buy this without home or auto?
Typically no—you’ll need underlying policies through the same provider.
Does this cover business activities?
No. You’ll need commercial umbrella coverage for that.