Extra Protection When It Matters Most.

Most $1 million umbrella policies cost between $150 and $300 per year — often less than a dollar a day. Additional million-dollar increments typically add $50–$75 per year. It's one of the most affordable forms of insurance available relative to the protection it provides.

Home and auto policies have liability limits — typically $100,000 to $300,000. Serious accidents and lawsuits can easily exceed that. Umbrella insurance picks up where those policies end, protecting your savings, investments, and future income from judgments against you.

Umbrella insurance doesn't cover your own injuries or property damage — it covers liability to others. It also typically excludes intentional acts, business-related liability (you need a separate commercial policy for that), and damage from certain vehicles. We'll walk you through any exclusions that apply to your situation.

A common rule of thumb is to carry at least as much umbrella coverage as your total net worth. If you have significant assets, a home, savings, or a high income, we typically recommend starting at $1–$2 million. We'll help you determine the right amount for your situation.

Most carriers require you to have your underlying home and auto policies with them — or at minimum meet minimum liability limits on those policies. We'll review what you have and find an umbrella policy that works with your existing coverage structure.

Many umbrella policies extend coverage worldwide for personal liability — but coverage details vary by carrier. If you travel frequently or have international exposure, we'll make sure your policy includes the protection you need.