Extend your defensive shield

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Overarching liability layers designed to kick in exactly where your home and auto policies max out.

Without gaps.

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Who Should Consider Having An Umbrella

  • Homeowners & Renters

    A severe guest injury on your property makes your equity an instant legal target. This adds an ironclad layer of protection over your home policy to secure your net worth.

  • Drivers & Families

    Severe auto accidents frequently cause injuries that blow right through standard policy caps. Higher limits guarantee your family's personal assets aren't seized to pay the difference.

  • Rental Property Owners

    Guarding multiple residential units multiplies your daily slip-and-fall liability exposure. Extended limits prevent a major tenant lawsuit from ruining your personal wealth.

  • Recreational Vehicle Owners

    Boats, ATVs, and motorhomes introduce severe accident risks and massive damage claims. Higher limits bridge the dangerous exposure gaps left behind by low-limit specialty lines.

  • Higher Income & Assets

    Accumulating significant wealth makes you a prime target for aggressive asset searches. Excess liability limits protect your lifestyle, investments, and future income from court judgments.

  • Pet Owners

    Animal incidents can easily trigger massive medical or legal bills. Higher limits shield your savings and future earnings if your primary policy is completely exhausted.

Understanding Your Umbrella Coverage

  • Extra Layer of Liability

    What it is: Adds an extra $1 million to $5 million (or more) of liability protection directly on top of your underlying home, auto, or watercraft policies.

    Why you need it: If you cause a major multi-car accident or a guest suffers a severe injury on your property, medical and legal costs can easily exceed standard limits. Without this, your personal savings, home equity, and future wages can be seized to pay the difference.

  • Protection In The Courtroom

    What it is: Covers your legal defense fees, lawyer retainers, and court costs from dollar one, completely independent of your actual policy limits.

    Why you need it: Defending yourself against an aggressive lawsuit is financially draining, even if you did absolutely nothing wrong. This feature ensures premium defense attorneys are paid entirely by the carrier, keeping your personal accounts completely untouched.

  • Coverage That Travels With You

    What it is: Extends your excess liability lines to cover you worldwide, whether you are driving a rental car abroad or renting a vacation property overseas.

    Why you need it: Serious accidents don't just happen close to home. Standard domestic policies often restrict or entirely drop liability protection when you cross international borders, leaving you completely exposed to foreign legal systems.

  • Maintain Your Reputation

    What it is: Expands your liability coverage to protect against non-physical injury claims like libel, slander, defamation of character, or false arrest.

    Why you need it: Standard home and auto policies strictly limit coverage to physical bodily injury or property damage. If you or a family member are sued over an accidental personal accusation, an online review, or a social media post, a standard policy will completely deny the claim.

BUNDLE & SAVE

We’ll help make sure your coverage & discounts are working together.

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01
Tell Us About Your Needs

02
Review Coverage Options

03
Choose Your Solution

  • BUILT AROUND YOU

    We design custom portfolios tailored to your specific lifestyle and risks, rather than forcing you into a cookie-cutter policy.

  • REALIABLE SERVICE

    Skip the automated phone trees. Enjoy direct access to a local, trusted advisor who proactively manages your protection.

  • ZERO GUESSWORK

    Insurance shouldn't be a mystery. We break down the complexities, so you fully understand your coverages and exclusions.

  • REAL OPTIONS

    As an independent brokerage, we leverage our network of top carriers to secure premium protection at competitive rates.

Frequently Asked Umbrella Questions

  • Not at all. A standard $1 million personal umbrella policy typically costs just $15 to $30 a month. It is one of the most cost-effective coverages available, giving you massive liability protection for pennies on the dollar.

  • No, it is a vital safety net for anyone with assets to protect, a home, or a steady income stream. In a severe lawsuit, court judgments can target not just your current bank accounts, but your future wages and home equity.

  • It does not cover your own physical injuries, damage to your own personal property, or intentional criminal acts. It is strictly a third-party liability policy designed to step in when you are legally responsible for causing injury or damage to someone else.

  • Yes, provided your underlying landlord policies maintain the minimum required liability limits mandated by the umbrella carrier. This adds an extra multi-million-dollar layer of safety above your rental units to protect your personal wealth.

  • No, personal umbrella policies strictly exclude corporate operations, commercial real estate, and professional business liabilities. If you own a company or have commercial exposures, you need a dedicated Commercial Umbrella policy to secure those assets.

    Learn More for Commercial Umbrella Insurance

  • Absolutely. We can audit your existing home, auto, and recreational policies to ensure your current underlying limits perfectly line up with an umbrella carrier's requirements, eliminating any dangerous coverage gaps.

    You can submit your current policy here.

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