Umbrella Insurance
An extra layer of liability protection above your home and auto — for roughly the cost of a coffee per week.
What It Covers
Umbrella insurance provides an extra $1 million or more in liability coverage above your existing home and auto policies — protecting your assets when the unexpected happens.
- Liability beyond your home and auto policy limits
- Bodily injury to others on or off your property
- Property damage you cause to others
- Lawsuits and legal defense costs
- Certain claims not covered by home/auto (libel, slander)
- Protection for all household members
When Umbrella Kicks In
Serious car accident
You're at fault in an accident causing $800K in damages. Auto covers $300K. Your umbrella covers the remaining $500K.
Injury on your property
A guest is seriously injured at your home. Medical costs and lawsuit exceed your homeowners liability limit.
Teenager at the wheel
A young driver in your household causes an accident with significant injuries. Umbrella covers what auto can't.
More Protection, Less Cost
Lawsuits are more common than most people realize. For the price of a couple of coffees per week, you can add $1–5 million in extra liability protection across your home, auto, and boat.
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