One Policy. Millions in Protection.

Umbrella insurance doesn't replace your auto or home policies, it extends them. When a claim exceeds the liability limits on your underlying policy, umbrella coverage takes over. It also covers certain claims that standard policies exclude entirely, such as libel, slander, and false arrest. Think of it as a second line of defense for your finances when the first line has been breached.

If you own a home, have savings or investments, earn a meaningful income, or have assets worth protecting, you likely need an umbrella policy. It's especially important if you own a swimming pool, have teenage drivers in the household, host frequent gatherings, or have a public profile. Plaintiffs' attorneys are good at identifying assets, umbrella coverage makes those assets harder to reach.

A general starting point: your umbrella coverage should at least equal your net worth. If someone wins a judgment against you that exceeds your policy limits, your personal assets make up the difference. We calculate your actual exposure, home equity, investments, future earnings, vehicles, and recommend a coverage amount that creates a meaningful buffer above it.

It's one of the best values in insurance. A $1 million umbrella policy typically costs between $150 and $300 per year, less than a dollar a day. Each additional million in coverage costs progressively less. When you consider that the average bodily injury verdict in a serious auto accident can reach well into the hundreds of thousands, that premium becomes very easy to justify.

Yes. Unlike some state-specific coverages, umbrella insurance generally follows you wherever you go, across state lines and internationally. This makes it particularly valuable for frequent travelers and anyone who drives, owns property, or conducts activities in multiple locations.