One serious accident or lawsuit can exceed your auto or home policy limits. An umbrella policy fills that gap — for as little as $20/month.
An umbrella policy kicks in after your home, auto, or other liability limits are exhausted. It's the last line of defense — and usually the most affordable coverage you can buy.
Someone slips on your property and sues for $800K. Your homeowner's covers $300K. Umbrella covers the rest.
A serious at-fault accident with injuries. Medical bills plus lost wages quickly exceed your $300K auto limit.
Defamation, libel, rental property incidents, and more — situations your standard policies don't cover at all.
Umbrella coverage kicks in after your primary policy limits are reached — giving you a much larger safety net for a small additional premium.
These aren't rare edge cases. They're the kinds of claims that happen every year — to ordinary people with ordinary lives.
You caused an accident that seriously injured two people. Medical bills, lost wages, and pain-and-suffering damages exceed your auto liability limit.
A neighbor's child is injured in your pool. Your homeowner's covers $300K — the remaining $450K could come out of your personal assets without umbrella coverage.
You post something online that someone claims damaged their reputation. Standard policies often don't cover this at all. Umbrella typically does.
If someone is injured on your property, your home policy may not be enough. Umbrella is especially important if you have a pool, trampoline, or dog.
Auto accidents are the #1 source of umbrella claims. If you drive regularly — especially with passengers — umbrella is worth considering.
Home equity, retirement savings, investment accounts — all potentially exposed in a lawsuit. Umbrella shields what you've built.
Teen drivers significantly increase your liability exposure. Umbrella provides a wide safety net at a relatively low cost.
Rental properties create unique liability. A tenant or visitor injury can lead to a claim that exceeds your landlord policy limits.
Defamation and privacy claims are increasingly common. Umbrella policies often cover personal liability situations standard policies miss.
Most umbrella policies cost between $150–$300 per year for $1 million in coverage. For most families, that's less than a streaming subscription — for protection that could save everything.
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