Umbrella insurance, for when one policy isn't the whole picture.
A personal umbrella policy adds liability protection above your auto and home policies. We'll look at your household and help you decide whether one makes sense for you.
What we'll look at together
Every household and business is different. These are the details that shape your options.
- Your existing policies
- Your auto, home and watercraft policies, since an umbrella sits on top of them.
- Your household
- Drivers, a pool, a dock, rental property, or anything else that adds liability.
- What you're protecting
- Your home, savings and future income, and how much protection feels right.
- Your carriers
- Some umbrella policies need your underlying policies to meet certain requirements.
Good to know
- Umbrella policies usually require certain liability limits on your auto and home policies first.
- Teen drivers, pools and rental properties are common reasons people ask about an umbrella.
- Review your umbrella when something big changes, like a new driver or a new property.
General information only. Your policy documents and carrier decide what is and isn't covered. An agent can walk you through yours.
Common questions
Who should consider an umbrella policy?
Anyone who wants more liability protection than their auto and home policies provide. We'll talk through your situation.
Does an umbrella cover my business?
A personal umbrella usually doesn't. Ask us about commercial umbrella options for your business.
Do I need my auto and home with you?
Not always, but it can make things simpler. We'll explain what the carriers require.
Sample reviews (demo)
Fictional samples written for this demo site.
They took the time to explain what an umbrella policy is and whether it made sense for us. No pressure at all.
I filled out the quote form on my lunch break and had a text back before I finished my sandwich. Rosa called that evening and explained everything without rushing me.
Let's talk about your umbrella insurance.
Request a quote in about two minutes and a licensed agent will reach out within the hour during office hours.