Umbrella Insurance

Umbrella insurance provides an additional layer of liability protection above and beyond the limits of your home, auto, and other existing policies. For a relatively small annual premium, it can protect your income, savings, and assets from a single lawsuit or accident that exceeds your standard coverage.

Umbrella insurance covers liability costs that exceed the limits of your underlying policies, including:

• Injuries you cause in a car accident
  
• Injuries someone suffers on your property
  
• Property damage you cause in an accident
  
• Property damage caused by your pet
  
• Property damage caused by a dependent or child
  
• Attorney fees and other legal defense costs

Coverage typically extends up to $1 million to $5 million, depending on the policy you choose.

Umbrella insurance is a liability policy. It does not cover:

• Your own medical expenses
  
• Damage or loss to your own property
  

For those needs, your health, home, and auto policies apply.

Umbrella insurance is not just for the wealthy. If you have a job, own a home, or have savings you want to keep, you have something worth protecting.

Consider this scenario:
A delivery driver slips on your wet sidewalk and suffers a serious head injury. They sue you. Your homeowners policy pays up to its limit — but the court awards the injured party $500,000 more than your policy covers.

Without umbrella insurance, you are personally responsible for that difference. That could mean years of wage garnishment, drained savings, or losing assets you spent a lifetime building.

An umbrella policy covers that gap — and pays for your legal defense along the way.

Umbrella insurance is one of the most affordable forms of coverage relative to the protection it provides. Your specific premium is based on:

• The amount of coverage you select
  
• Your risk profile and driving record
  
• Your insurance carrier's provisions
  

You may also save money by purchasing umbrella coverage through the same carrier as your home or auto policy. Ask us about bundling options.

Updated June 2026 by Christy Hogan