Protect everything
you've worked for.
A single multi-car accident or major injury on your property can easily exceed the limits of your standard auto or home insurance. When that happens, courts target your home equity, retirement, and future wages.
- Adds $1M to $5M in excess liability protection over all your assets.
- Incredibly affordable—often costing less than $20 a month.
- Covers legal defense fees entirely outside of the policy limits.
Preserve Your Wealth
If you are sued for $1.5M and your auto insurance maxes out at $500k, you are personally responsible for the remaining $1M. An umbrella policy steps in to pay it.
Catastrophic Legal Defense
Even if a lawsuit against you is entirely frivolous, fighting it in court can cost tens of thousands of dollars. The insurance company provides top-tier lawyers to defend you.
Check Umbrella Rates
Compare affordable coverage options from top-rated national carriers in minutes.
What Does An Umbrella Cover?
An umbrella policy sits on top of your existing insurance policies, providing an extra layer of massive financial protection when you exhaust your primary limits.
Severe Auto Accidents
If you are at fault in a multi-car pileup or injure a high-income earner, their medical bills and lost wages will rapidly exceed standard $300k auto limits.
Property Liabilities
Protects you if a guest slips on your icy driveway, a child gets hurt in your swimming pool, or your dog severely bites a neighbor.
Libel, Slander & Defamation
Often excluded entirely from standard home and auto policies. Umbrella covers you if you are sued for defamation, false arrest, or invading someone's privacy.
Boats, ATVs & Rentals
Extends limits over your recreational vehicles and watercraft, as well as protecting you globally when renting cars or homes while traveling abroad.
Asset Exposure Estimator
Calculate exactly how much of your net worth is exposed to lawsuits. See how incredibly affordable it is to mathematically eliminate that risk.
Your Wealth Profile
Include home equity, retirement accounts, and savings.
This is where your current protection stops.
How it works: If you are sued for an amount exceeding your current liability limit, courts can order the seizure of your personal assets and garnish your future wages to pay the difference.
Your Financial Exposure
Unprotected Assets
$1.2M
At risk of seizure in a lawsuit
Est. Umbrella Cost
Per month for $2M coverage
Your current policies leave $1,200,000 of your wealth completely exposed. We recommend a $2 Million Umbrella Policy to fully shield your net worth, costing roughly the price of a few cups of coffee per month.
*Educational tool. Recommended limit rounds up to the nearest million to ensure full net worth coverage. Estimated premium is an illustrative average (~$150-$300/yr per million). Actual rates depend on your state, underlying limits, and driving record.
The Shield Over Your Existing Limits
An umbrella policy doesn't replace your standard insurance; it sits on top of it. See how it triggers when catastrophic limits are breached.
| Coverage Feature | Personal Umbrella | Auto Insurance | Home Insurance |
|---|---|---|---|
| Typical Max Liability Limit | $1M to $5M+ | $300k - $500k | $300k - $500k |
| Triggers When... | Base limits are exhausted | You are at fault in a crash | Injury on your property |
| Defamation / Slander Coverage | Yes (Usually Included) | No | Usually Excluded |
| Covers Legal Defense Fees | Yes (Outside policy limits) | Yes (Eats into limits) | Yes |
The "Underlying Limits" Rule
To buy an umbrella policy, insurance carriers require you to maintain a certain level of base protection first.
The Auto Requirement
Most carriers will not sell you an umbrella policy unless your underlying auto insurance carries at least $250,000 or $300,000 in bodily injury liability limits per accident.
The Home Requirement
Similarly, your homeowner's or renter's policy usually must have at least $300,000 in personal liability coverage before the umbrella shield attaches.
The Gap Penalty
If you drop your auto limits below the requirement, you create a "gap." If you are sued, you will be personally responsible for paying that gap amount before the umbrella policy kicks in.
Umbrella Policy FAQs
Clear answers to help you secure your financial legacy.
Does a Personal Umbrella cover my small business?
No. Personal Umbrella policies specifically exclude business and professional liabilities. If you own a business, you need a separate Commercial Umbrella or Excess Liability policy to protect your company's operations.
Why is it so cheap for $1 Million in coverage?
Because the risk to the insurance company is low. Most accidents are settled well within the limits of your primary auto or home insurance. The Umbrella policy only pays out in rare, catastrophic situations, which keeps the premium incredibly affordable.
Do I have to bundle my auto and home to get it?
Often, yes. Many carriers require you to hold your auto or home insurance with them before they will issue an umbrella policy. However, there are standalone umbrella carriers available if you prefer to keep your underlying policies separate.