An extra layer of security
Liability coverage beyond your standard policies, protecting your savings and assets against major lawsuits and catastrophic claims.
When standard limits aren't enough
If a serious accident or lawsuit exceeds the liability limits on your auto or home policy, you could be personally responsible for the difference. An umbrella policy adds coverage, typically in $1 million increments, on top of your existing policies, often for a surprisingly low cost.
- Extra liability above auto & home limits
- Coverage for lawsuits and legal defense
- Protection for your savings and future income
- Affordable per $1M of coverage
Common Questions
Who needs umbrella insurance?
Anyone with assets or income to protect. It's especially valuable for homeowners, landlords, and those with teen drivers.
How much does it cost?
Often around $150 to $300 per year for the first $1 million in coverage. Choose "Other Line → Umbrella" for a rough range.
Do I need auto and home first?
Umbrella sits on top of underlying policies, so carriers usually require certain minimum limits on auto and home. We'll set it up correctly.
Add a safety net
Protect everything you've built for a little more each month.