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Protect Your Entire Household With One Smart Policy
Your assets, reputation, and peace of mind deserve more than the standard limits of other policies. A personal umbrella policy provides an extra layer of liability protection—often $1 million or more—to safeguard you from catastrophic claims that could otherwise expose your household to financial risk.
Why would I need a Personal Umbrella Insurance Policy?
A personal umbrella policy adds an extra layer of liability protection above your car, home, condo/renters, and certain recreational policies. If a major accident exhausts your underlying limits, the umbrella policy can help cover remaining damages, legal defense, or settlements—commonly in $1 million increments.
Mandatory Coverages
The core coverages needed to stay secure and financially protected when the unexpected happens.
Parent auto and home liability must meet minimum thresholds to activate umbrella protection.
Umbrella typically begins after underlying policy limits are exhausted
Legal defense is often included—sometimes paid outside the policy limit—so you’re not eating into your coverage when defending a claim
Optional Considerations
Additional elements of umbrella policy that help ensure coverage is complete.
Matching umbrella limits to your net worth (or more, especially in litigious areas) using standard increments: $1M, $2M, $3M, $5M
Ensuring all household drivers are disclosed—omission can void coverage
Confirm how your policy handles legal defense—some pay outside the limits, others don’t
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Anyone with assets to protect, potential exposure to lawsuits, or risks that could exceed standard auto or home liability limits should consider an umbrella policy. This includes homeowners, families with teen drivers, landlords, boat or recreational vehicle owners, and professionals whose lifestyle or net worth makes them more visible targets for litigation.
A good starting point is to match your net worth. If you live in a high-liability region—or own additional assets or exposures—consider higher layers like $2M, $3M, or $5M based on affordability and risk tolerance.
Typically yes—and often outside the policy limit. But coverage varies by carrier, so we’ll verify that for you.
Insurance Pro Tips
Explore our expert advice on insurance and risk management.
Risk Exposures for High Net Worth Individuals
This article explores the unique risks faced by affluent households—including why umbrella liability coverage is an important part of protecting your assets.
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