Umbrella Insurance
What is Umbrella Insurance
Umbrella insurance covers liability exposures, like auto liability, personal liability, watercraft liability, and others. You might wonder why you’d need a separate policy for auto liability, for example, when you already have an auto insurance policy. An umbrella provides additional coverage beyond the policy limits of your auto, or other, underlying policies. If you’re involved in an accident and owe $750,000, your auto policy may max out at $500,000. Your umbrella policy will kick in at $500,000 to cover the additional $250,000 owed. Plus, one umbrella policy can cover multiple underlying policies, including auto, home, renters, boat, and others.
How to Shop for Umbrella Insurance

Figure Out Your Coverage
The first step is knowing what insurance coverage you need. Some things to consider are:
- What is my estimated net worth?
- Do I have young drivers in my household?
- What are my current liability limits?
- Do I own a dog or a pool?
Get Multiple Insurance Quotes
The best way to find great insurance rates is to get quotes from a multitude of insurance companies. Each company targets people based on different characteristics. This means the same insurance company may offer drastically different rates for you compared to your friend, neighbor, or coworker.
Compare Insurance Companies
Once you’ve narrowed down your options to a handful of insurance companies, research each company’s claims satisfaction ratings, customer service ratings, financial stability, and any unique coverage offerings.
We Can Help
Let us walk you through the process and get insurance quotes from over 15 top companies on your behalf.
Umbrella Insurance Coverage Available
Auto Liability
Covers auto liability claims in excess of your auto insurance policy limits.
Personal Liability
Covers personal liability claims in excess of your home, condo, or renters insurance policy limits.
Watercraft Liability
Covers watercraft liability claims in excess of your boat insurance policy limits.
Uninsured/Underinsured
Covers UM/UIM claims in excess of your auto insurance policy limits.
Frequently Asked Questions
It’s probably less expensive than you think. $1,000,000 of coverage can often be purchased for $16-$18 per month, depending on your specifics.
Preserve & Protect
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