What's Covered
Extended liability coverage beyond auto and home policy limits
Coverage for lawsuits and legal defense costs
Protection for libel, slander, and defamation claims
Coverage that follows you worldwide
Protection of personal assets and future earnings
Typically $1 million or more in additional coverage
Common Questions
When does umbrella insurance kick in?
Umbrella coverage activates when the liability limits on your underlying policy (auto, home, etc.) are exhausted. It provides additional protection above and beyond those limits.
How much does umbrella insurance cost?
Umbrella insurance is surprisingly affordable — often $150-$300 per year for $1 million in coverage, since it only pays after your other policies' limits are reached.
Who needs umbrella insurance?
Anyone with significant assets, a high-profile occupation, or substantial risk exposure should consider umbrella coverage. It's especially important if you own property, have a pool, or employ domestic workers.