Umbrella insurance
An extra layer of protection when life takes an unexpected turn.
Learn when umbrella insurance may provide additional liability protection.
How umbrella coverage works
Umbrella policies generally require underlying limits on your home and auto policies, then extend liability protection above them.
Excess Liability
Additional limits above your home, auto and other qualifying policies.
Legal Defense
Defense costs associated with covered liability claims.
Rental Property
Liability arising from properties you own and rent out.
Recreational Vehicles
Boats and other vehicles when properly scheduled.
Personal Injury
Certain claims such as libel or slander, depending on the policy.
Household Members
Coverage often extends to family members in your household.
Coverage review
Signs an umbrella is worth a look
- Your net worth exceeds your current liability limits
- You own rental property
- You have teen drivers in the household
- You have a pool, trampoline or frequent guests
- You serve on a board or coach youth sports
- You own boats, ATVs or other recreational vehicles
Coverage varies by policy, carrier and state. This page is educational and is not a statement of coverage or a recommendation.
Common questions
Let's see whether an umbrella belongs in your plan.
Send us what you have today and we'll help you understand whether it still fits.