Umbrella Insurance

Extra Liability Protection, Above Your Existing Policies

An added layer of protection when a claim exceeds your underlying home, auto, or business coverage limits.

Coverage Benefits

Coverage Up to $10 Million

Extra liability limits layered on top of your auto, home, boat, and RV policies, with options ranging up to $10 million.

Legal Defense Included

Pays to defend you against a covered suit or claim — defense costs that can add up fast on their own.

Excess Uninsured/Underinsured Motorist

Added protection if you're in an accident with an at-fault driver who doesn't carry enough coverage.

Rental & Vacant Property Friendly

Coverage extends over short- and long-term rentals, with room for multiple properties on one policy.

Flexible Underwriting

One major violation or at-fault accident on your record doesn't automatically close the door.

LLCs, Trusts & Estates Covered

Can be written with an LLC, trust, or estate added as an additional insured.

What's Covered

Extended Liability Limits

Additional liability coverage once the limits on your underlying auto, home, boat, RV, or business policy are used up — including bodily injury, property damage, and personal injury claims.

Broader, Non-Business Liability

Covers certain claims that fall outside your underlying policies, like defamation of character, libel, slander, and invasion of privacy.

Vehicles, Vessels & Recreational Equipment

Added liability over motorcycle, boat, jet ski, RV, and golf cart policies, on top of your auto coverage.

Peace of Mind for Larger Judgments

Helps protect your assets and future earnings if a serious claim or lawsuit exceeds your standard policy limits.

Worth Considering If You...
Own Vacant Land or Rental Property
Have a Pool or Trampoline
Are Renovating Your Home
Own an ATV or Boat
Serve on a Charity Board
Are Active on Social Media
Host Client Meetings at Home
Like to Host Large Parties
$10M
Available liability limits
10
Vehicles & properties per household, typically allowed
50 States
Plus D.C., widely available
1
Major violation often still acceptable

Figures shown reflect current carrier programs and vary by risk, state, and underwriting. We'll match you to the option that fits.

Often Paired With
Get Covered

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