Umbrella insurance
As your income and assets grow, your liability exposure can grow with them.
Umbrella insurance adds a layer of personal liability protection above certain underlying policies, like home and auto.
For households with more to protect, it can be an important part of the plan.
- The big picture.We look at your policies together, not as separate decisions.
- Protect your assets.We show you where your liability coverage ends and where more may make sense.
- Expert guidance.$1 million, $2 million or something else? We'll walk through what matters.
What it protects
Higher liability limitsabove qualifying home and auto policies.
Broader protectionfor certain liability exposures, depending on the policy.
Peace of mindfor what you've worked hard to build.
Straight answers.
What is umbrella insurance?
Extra personal liability coverage above the limits of certain underlying policies, like your home and auto insurance.
Who should consider an umbrella?
People with higher incomes, significant assets, multiple vehicles, teen drivers, pools, boats or other added liability may benefit.
How much do I need?
It depends on your assets, income and exposure. We'll help you size it.
Is umbrella insurance expensive?
Pricing varies, but umbrella coverage often adds a lot of liability protection for what it costs.
Can I add an umbrella without changing my current policies?
Possibly. Umbrella carriers usually have requirements for the underlying policies and their limits. We'll review what you have and explain your options.
One plan beats five policies.
Most families have more than one thing to protect. Tell us everything once.