Personal umbrella
An extra layer of liability protection over your home and auto policies, for the claims that could reach your savings or future income.
What it generally covers
- Extra liability limits above your auto policies
- Extra liability limits above your home policy
- Certain claims your underlying policies may not cover, such as some personal injury claims
- Legal defense costs for covered claims
Who usually asks about it
- Homeowners and people with savings to protect
- Households with teen drivers
- Business owners with personal assets
- People with pools, trampolines, dogs or rental properties
Common questions
How much umbrella coverage do people carry?
It varies. Many start at $1 million and increase from there based on assets and exposures.
Do I need specific auto and home limits first?
Usually, yes. Umbrella carriers set minimum limits on the policies underneath.
Does it cover my business?
No. Business liability is covered by a commercial umbrella. Owners often review both together.
Personal coverage is available in Georgia, Florida, Louisiana, Texas, Mississippi, Maryland and New Jersey.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.