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Umbrella Insurance
An extra layer of liability protection.
An umbrella policy can provide additional liability limits above qualifying underlying policies when a serious covered claim exceeds those limits.
What to understand
What umbrella insurance can help protect.
- Additional liability limits above qualifying underlying coverage
- Certain covered personal liability exposures
- Broader protection subject to policy terms and exclusions
Review considerations
Questions worth discussing.
- Underlying home and auto liability limits
- Household drivers and properties
- Recreational vehicles or other exposures
- Assets and future income you want to protect
Umbrella Insurance FAQs
Clear answers start with good questions.
Who should consider an umbrella policy?
There is no single profile. Homeownership, assets, household drivers, recreational exposures, and your desired level of liability protection can all be part of the discussion.
Does umbrella insurance replace my home or auto liability?
No. Umbrella coverage generally sits above qualifying underlying policies, which must maintain required liability limits.
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