Personal Umbrella Insurance
An additional layer of protection for your personal liability
Your auto, homeowners, renters, and boat insurance policies provide liability protection, but every policy has limits.
A personal umbrella policy can provide additional liability protection above certain underlying insurance policies, helping protect your finances when a covered claim exceeds the limits of your primary insurance.
How does personal umbrella insurance work?
An umbrella policy generally provides excess liability coverage above eligible underlying policies such as auto, homeowners, renters, or boat insurance.
If you are legally responsible for a covered liability claim that exceeds the limits of an underlying policy, your umbrella may provide additional coverage, subject to its terms, conditions, exclusions, and limits.
Umbrella insurance does not replace your primary insurance. It works alongside those policies as an additional layer of protection.
Who might consider personal umbrella insurance?
Umbrella insurance may be worth considering if you have significant assets, income, property, or other circumstances that could expose you to substantial liability.
You may also want to consider it if you:
Own a home or rental property
Own multiple vehicles or a boat
Have household drivers
Have substantial savings or investments
Have significant current or future income
Frequently host guests or social gatherings
The appropriate amount of liability protection depends on your individual circumstances.
Your underlying insurance matters
Umbrella policies generally require certain underlying insurance policies and liability limits to be maintained. Depending on your circumstances, these may include:
Auto insurance
Homeowners, condo, or renters insurance
Boat or watercraft insurance
Landlord or rental-property insurance
Requirements vary by policy and carrier, so I can help you review your existing coverage when exploring an umbrella policy.
Typical Exclusions & Limitations
Like other insurance policies, personal umbrella policies contain exclusions, conditions, and limitations. Depending on the policy, these may apply to intentional acts, business or professional activities, certain contractual obligations, and other specifically excluded liabilities.
An umbrella policy does not cover every type of loss or liability, and some exposures may require separate insurance.
How much umbrella coverage do you need?
There is no single amount that is appropriate for everyone. Your property, savings, investments, income, vehicles, rental properties, household drivers, and existing liability limits can all be relevant when considering the appropriate amount of coverage.
Let’s talk about your liability protection
I can review your existing auto, property, and watercraft insurance with you and help determine whether personal umbrella coverage may be appropriate for your circumstances.
At this link, please select Personal Umbrella under the Personal category when submitting your quote request.
Carriers I offer coverage with:
Personal umbrella insurance available in*:
California
Texas
Washington
*Licensing does not guarantee that every insurance product or carrier is available in every state. Carrier appointments, underwriting requirements, product availability, and eligibility vary by state and by individual risk.
If I am not currently licensed to offer the insurance solution(s) you are seeking in your state, I may be able to obtain the necessary licensing or connect you with a licensed professional who can assist you.
