Umbrella Insurance extra protection over everything.
One serious claim can blow past the limits on your auto or home policy — and the rest comes out of your savings. An umbrella policy adds an extra layer of liability, often $1 million or more, on top of what you already have, for a surprisingly low cost.
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Big protection for a few hundred dollars a year, typically.
Tell us about your assets and underlying policies for a price.
- ✔ Extra liability over auto & home
- ✔ Limits from $1M and up
- ✔ Legal defense beyond your limits
- ✔ Protects your savings & future income
What umbrella insurance covers
Excess Liability
Kicks in when a claim exceeds the liability limits on your auto, home, or boat policy.
Bodily Injury
Covers large injury claims against you — like a serious at-fault auto accident.
Property Damage
Major property damage you're liable for beyond your underlying limits.
Personal Injury
Claims like libel, slander, and defamation that home and auto often exclude.
Legal Defense
Pays defense costs, often in addition to your limit, even for covered suits.
Worldwide Coverage
Liability protection that follows you in many situations, anywhere in the world.
Who it's for
Built for
What our customers say
Real 5-star reviews from our customers on Google. Read more on Google
Laura was a pleasure to work with. She made the impossible happen when others turned me down! Definitely a 5-star performance!
10/10 — Laura was wonderful getting me the cheapest insurance possible. Patient, friendly, all of the above. Great customer service. Definitely recommending!
Laura has the best customer service ever. She really cares about who she is helping, very patient, and will get you the best deal!
Logan is so amazing — very knowledgeable and patient. It's always a pleasure to do business with him. Look forward to continuing business with you!
Chase Stewart was a great help getting me set up with a very affordable, full-coverage policy on my new truck.
Great customer service, great rate. They even helped me cancel my other insurance. Thank you!
Worried one claim could wipe you out?
Add an umbrella and protect what you've built.
Get My Umbrella QuoteUmbrella insurance FAQs
What does an umbrella policy actually do?
It adds liability coverage on top of your auto, home, or boat policies. When a covered claim exceeds those limits, the umbrella pays the rest, up to its limit.
Do I need umbrella insurance?
If your net worth or future income exceeds your current liability limits, an umbrella protects the gap. It's popular with homeowners, landlords, and families with young drivers.
How much does it cost?
A $1 million umbrella often costs only a few hundred dollars a year, because it sits above your existing coverage.
Do I need underlying auto and home policies?
Usually yes — carriers require you to maintain set liability limits on the underlying policies the umbrella sits over.