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What is umbrella insurance



Umbrella insurance is a type of liability insurance that provides an extra layer of coverage above and beyond the limits of your existing policies, such as your homeowners, auto, or renters insurance. It is designed to kick in and cover claims that exceed the liability limits of your primary policies.



How does an umbrella policy work



Umbrella insurance can provide valuable coverage that extends beyond the limits and exclusions of other liability policies.


  • Umbrella insurance may kick in to provide coverage when the limits of your homeowners, auto, boat, or other liability policies have been exhausted. This extra layer of protection can be crucial in the event of a major claim or lawsuit.
  • Additionally, umbrella insurance can cover claims that may be excluded by your other liability policies.
  • This includes coverage for things like: False arrest, detention or imprisonment Libel, slander, or defamation of character Invasion of privacy Wrongful eviction or entry Liability coverage for rental properties you owe
  • What is not covered by an umbrella policy?

An umbrella policy generally does not provide coverage for: your injuries or damage to your personal property a criminal or intentional action causing damage to someone else liability you assume under a contract



Umbrella Insurance Cost



The average cost a $1 million personal umbrella policy is $383 per year for an individual with one home, two cars, and two drivers. If you need more than $1 million in liability coverage, your policy's cost will increase.



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