An Extra Layer of Protection When It Matters Most
When a major lawsuit or catastrophic accident exceeds your standard policy limits, umbrella insurance steps in. It's one of the most affordable ways to protect everything you've built.
What's covered
Your Umbrella Insurance Coverage Options
Excess Liability
Kicks in when your auto or home liability limits are exhausted — typically starting at $1M in additional coverage.
Lawsuit Protection
Covers legal defense costs and judgments from lawsuits involving bodily injury or property damage.
Worldwide Coverage
Protects you from liability claims that occur anywhere in the world, not just at home.
Rental Property Liability
Extends liability protection to rental properties you own beyond your landlord policy limits.
Slander & Libel
Covers personal injury claims like defamation, libel, and slander — not covered by most standard policies.
False Arrest Coverage
Protects against claims of false arrest, detention, or imprisonment.
20+
Carrier Partners Compared
500+
Families & Businesses Protected
15+
Years of Expert Guidance
Common questions
Umbrella Insurance FAQs
How much does umbrella insurance cost?
A $1M umbrella policy typically costs $150–$300/year — one of the best values in insurance.
Who needs umbrella insurance?
Anyone with significant assets, a teenage driver, a pool, rental property, or a public-facing business should consider it.
Does umbrella insurance cover my business?
Personal umbrella policies generally don't cover business liability. We can pair it with a commercial umbrella for full protection.
Add a Million-Dollar Safety Net
Umbrella coverage starts at just pennies a day.