Property & Casualty — Personal
Personal Umbrella Insurance
One policy. Millions in extra protection. Peace of mind for life's unexpected moments.
A personal umbrella policy sits above your existing home and auto coverage, adding an additional $1 million to $5 million (or more) of liability protection at a surprisingly low cost. It's one of the best values in personal insurance — and one of the most overlooked.
What's Covered
- Excess liability above your home and auto policy limits
- Bodily injury and property damage you cause to others
- Personal injury claims — libel, slander, defamation
- False arrest, wrongful eviction, and invasion of privacy
- Liability arising from rental properties you own
- Coverage for incidents that occur anywhere in the world
Why It Matters
If you're found liable for a serious auto accident, a slip-and-fall at your home, or even a social media post that leads to a defamation claim, your standard policy limits can be exhausted quickly. A judgment above those limits comes directly from your assets and future income. A $1M umbrella policy typically costs $150–$300 per year — a fraction of the risk it eliminates.
Common Questions
Who needs a personal umbrella?
Anyone who owns a home, drives a car, employs domestic staff, has significant assets, or participates in activities that could lead to injury claims. If you have something to protect, an umbrella makes sense.
How much umbrella coverage should I carry?
A common guideline is to carry at least as much umbrella coverage as your total net worth. $1M to $2M is a good starting point for most households; higher if you have significant assets.
Does umbrella cover business activities?
Personal umbrellas are designed for personal, not business, exposures. Business liability requires a commercial umbrella or excess liability policy — something we also offer.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.