Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
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Personal Umbrella
Extra liability stacked on top of your auto, home and boat policies.
What this cover does
An umbrella policy does one thing very well: it starts paying where your underlying policy limits stop. A serious at-fault accident can produce a judgement several times your auto liability limit, and the balance is collectable against your savings, your home equity and in many states your future wages.
Typically included
- Excess liability above your auto, home, condo, renters, boat and landlord limits
- Legal defence costs, usually outside the limit
- Claims your underlying policies exclude, such as libel, slander and false arrest
- Liability arising anywhere in the world
Common add-ons
- Limits from one million upward in one-million steps
- Cover for rental properties and recreational vehicles
- Uninsured and underinsured motorist excess where the state allows
Questions
What people ask about umbrella
How much do I need?
A common starting point is enough to cover your net worth plus a few years of income. We work it out with you rather than guessing.
Why is it so inexpensive?
Because it only pays after the underlying policy is exhausted, which is rare. That makes it one of the lowest cost-per-dollar covers available.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →
Quote Personal Umbrella
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.