Personal coverage
Umbrella Insurance
Serious liability claims can exceed the limits of a home or auto policy. A personal umbrella may provide another layer of protection for individuals and families with meaningful assets or exposures.
What it may help protect
Coverage built around the exposure.
- Liability above qualifying home and auto limits
- Certain defense costs
- Exposures involving rental properties in some programs
- Additional protection for high-limit claims
A thoughtful review considers
- Required underlying policy limits
- Household drivers and youthful operators
- Rental properties, boats, and recreational vehicles
- Public-facing or volunteer activities
- Overall assets and future income exposure
Important:
This overview is general information, not a coverage guarantee. Available protection, limits, exclusions, pricing, and eligibility depend on the carrier, policy form, underwriting, and your specific circumstances.
A better next step
Coverage starts with understanding your risk.
Tell us what you need to protect. We’ll ask thoughtful questions and help you evaluate available options.