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Personal Umbrella Coverage Overview

Umbrella insurance provides additional liability coverage that can help protect assets such as your home, car and boat. It can also help cover defense costs, attorney fees and other charges associated with lawsuits.

What is Umbrella Insurance?

Umbrella insurance coverage helps protect you from the costs of covered claims when those costs exceed the limits of your home insurance, auto insurance, or other liability policies.


An umbrella policy can help cover defense costs when you are being sued for damages to someone else’s property or injuries caused to others in an accident.

What Does Umbrella Insurance Cover?

Whether it’s a serious car accident involving extensive medical bills or an incident on your property, you may quickly find yourself responsible for damages exceeding the limits of your policies.  This is when an umbrella policy can provide coverage beyond the limits of your primary policy.

An umbrella can help provide coverage for:

  • $1 million plus of additional liability, which can help protect assets such as your home, car and recreational vehicles.

  • Claims like libel, slander, defamation of character and invasion of privacy.

  • Legal defense costs like attorney fees and other charges associated with lawsuits.

  • Liabilities that happen outside the United States.


An umbrella policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.


In today’s world, anyone can face a lawsuit, even if you’ve done nothing wrong. That’s why it’s more important than ever to consider adding an umbrella policy as an extra layer of protection for your assets – and your peace of mind.

What is Not Covered by An Umbrella Policy?

Generally, damage to your own personal property is not covered under a personal umbrella policy.

Other examples of coverage not included in a typical umbrella policy are:

  • Business losses. Damage to your business property or losses related to the running of your business generally would not be covered by a personal umbrella policy. This exclusion applies even if your business is operated out of your home. Consider purchasing business insurance if you need this type of coverage.

  • Intentional acts. A personal umbrella policy isn’t designed to protect you from liability connected with your own intentionally harmful behavior; for example, if you intentionally harm a visitor to your home.


Umbrella policies are typically very affordable and can be a great way to help protect yourself against the potentially devastating costs of major claims that exceed the limits of your primary home and auto policies.

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