Umbrella insurance: an extra layer of liability protection

A personal umbrella policy pays liability claims after your auto, homeowners or boat liability limits are used up, and it can cover some claims those policies exclude, such as certain libel or slander suits. It is one of the most cost-effective protections a family can buy, especially for homeowners, people with teen drivers, landlords and boat owners.

Who should consider an umbrella

• Homeowners with equity or savings to protect
• Households with teenage drivers
• Owners of rental properties, boats, pools or trampolines
• People with higher incomes or future earnings at stake
• Volunteers and coaches, or anyone with a public profile

How umbrella insurance works with your other policies

Umbrella carriers require minimum underlying limits on your auto and home policies, often $250,000/$500,000 on auto and $300,000 on home. If your current limits are lower, they need to be raised. We line up every underlying policy so there are no gaps between layers, and we make sure every vehicle, property and watercraft is listed.