Umbrella Insurance

To start your Umbrella insurance quote, please log in with your GEICO Auto policy credentials or call us at (866) 272-5192. If you do not have a GEICO Auto policy or quote yet*, please call 1-800-841-2964.

What is an umbrella insurance policy?

Umbrella insurance, sometimes referred to as personal umbrella policy, is a supplemental liability policy that can help protect your assets when there is an unexpected event that requires more coverage than you have with your vehicle or property policies. An umbrella policy provides an additional layer of coverage on top of what you already have.

To be eligible for an umbrella policy, insurance companies may require you to have and maintain certain minimum liability limits on your auto and homeowners policies.

What is typically covered by umbrella insurance?

Injuries you cause to others
Damage you cause to other people's property
Injuries or damage caused by your renters
Certain lawsuits, like slander and defamation

Why buy umbrella insurance?

Without an umbrella policy, your home and savings could be at risk if you're involved in a major accident or lawsuit.
Liability claims are often expensive and paying out-of-pocket for one could take years.
Lawsuits can happen to anyone. You can be sued regardless of your financial situation or whether you believe you are at fault.

How is an umbrella insurance policy different from raising policy limits?

An umbrella policy can add $1 million** in coverage to several policies or where raising limits is not an option—and may cost less than raising limits individually.
May cover situations that your other policies may not, such as slander, or libel lawsuits.
Can cover the cost of your legal defense in case of a liability lawsuit.

Do you need umbrella insurance?

Umbrella insurance can give you $1 million in coverage** on top of your auto or homeowners policy limits. If you injure someone or damage their property, you might not have enough coverage with your existing policies. An umbrella policy could save you from paying out of your own pocket.

Here are some circumstances you may want to consider when deciding whether umbrella insurance is right for you and your family:

You travel to different countries
You’re near retirement and/or have a large nest egg
You invite guests to your home
You have a family pet
You have young drivers on your auto policy

Here are some examples of when umbrella insurance could help protect you and your family:

You forget to turn off your garden hose. The mailman slips on your wet driveway, injures his back, and sues you for $450,000.
While backing out of a parking space in a hurry, you hit a pedestrian. You’re responsible for over $1 million in medical bills.
You rear-end another car. The other driver claims long-term neck damage and sues you for $600,000—threatening your savings.
In a crowded coffee shop, you accidentally spill your hot drink on a child. Treatment for his burns costs almost $700,000.
A guest in your home trips and falls. She injures her neck and arms and can’t work for a month. Treatment and lost wages add up to $550,000.
You are still learning a new language and unintentionally insult a restaurant’s chef. The comment goes viral, hurting the business.
You hire a contractor to fix your front deck. He needs a ladder and you let him borrow yours, but the leg of the ladder slips and he falls.
Your young driver glances down at their phone, swerves, and crashes into another car. Injuries to the other driver cost $800,000.
Your dog bites your new neighbor who is bringing over cookies. The medical bill for going to the ER to fix her leg costs $400,000.

Who is covered by your umbrella insurance policy?

You and your spouse if a resident of your household
Relatives residing in your household
Household residents under age 21 in the care and custody of you or your spouse

What is typically not covered by a personal umbrella insurance policy?

Your injuries or damage to your personal property
A criminal or intentional action causing damage to someone else
Liability you assume under a contract

Why Choose GEICO for Umbrella Insurance?

When life's unexpected events threaten your financial stability, an umbrella insurance policy can be your safety net. With GEICO, securing that extra layer of protection is easy. Here are some reasons why customers choose GEICO:

Seamless Bundling (And Savings!): Already a GEICO customer? Bundling your umbrella insurance with existing auto, home, or renters policies can simplify your coverage and potentially save you money.
Reliable Claim Service: Our team of insurance claim specialists are available 24/7 to answer questions and provide support when you need it most.
Customizable Coverage: We offer fully customizable umbrella insurance policies to ensure you get coverage that fits your unique circumstances.
Trusted Name in Insurance: With decades of experience and millions of satisfied customers, GEICO has earned a reputation as a dependable insurance provider. Choosing GEICO means partnering with a company you can trust.

Need an umbrella insurance quote?

You can get an umbrella insurance quote by reaching a sales agent at (866) 272-5192.

Mon - Sun:
8:00 AM - 10:00 PM (ET)

Umbrella Insurance Quotes: Get the answers you're looking for.

Do you have a list of frequently asked questions about umbrella policies?

Yes! You can find the frequently asked questions about umbrella insurance on our umbrella FAQ page.

Should I consider an umbrella policy?

In most cases, you'll want to consider getting an umbrella insurance policy to increase your protection in the case of an accident or lawsuit.

What are the underlying insurance requirements for an umbrella policy?

There are certain required automobile and property policies and limits that you'll need to qualify for an umbrella insurance policy. Please visit our umbrella insurance requirements page to learn more.

Where can I learn more about umbrella insurance?

We have a variety of resources dedicated to umbrella insurance. If you're looking for more information about GEICO's umbrella insurance, click here. If you're looking for an informative article covering all the umbrella insurance basics, click here.

How much umbrella policy coverage do I need?

The amount of umbrella insurance you need depends on personal factors like your net worth, income, and potential risks. A common rule of thumb is to purchase enough coverage to protect your total assets, including savings, property, and investments, as well as future income if you're at risk of being sued. Speak with one of GEICO's insurance specialists or get a free quote to determine how much umbrella coverage you need.

How can I compare umbrella insurance quotes?

To compare umbrella insurance quotes, evaluate the coverage limits and exclusions offered by different providers to ensure they meet your needs. Pay attention to the premiums, deductibles, and any discounts available, especially if bundling with other policies. Consider the reputation and customer service quality of each insurer to ensure reliable support in the event of a claim. Using online tools or working with an insurance specialist can make the comparison process easier.

How much does an umbrella policy cost?

Umbrella insurance is typically affordable for policyholders. However, the exact cost of a policy depends on factors like your risk profile, the number of properties or vehicles, and any additional coverage needs. Get a free umbrella insurance quote from GEICO to determine the cost of your policy.

What is an umbrella insurance policy?

To be eligible for an umbrella policy, insurance companies may require you to have and maintain certain minimum liability limits on your auto and homeowners policies.

Do you need umbrella insurance?

Here are some circumstances you may want to consider when deciding whether umbrella insurance is right for you and your family:

You travel to different countries

You’re near retirement and/or have a large nest egg

You invite guests to your home

You have a family pet

You have young drivers on your auto policy

Here are some examples of when umbrella insurance could help protect you and your family:

You forget to turn off your garden hose. The mailman slips on your wet driveway, injures his back, and sues you for $450,000.

While backing out of a parking space in a hurry, you hit a pedestrian. You’re responsible for over $1 million in medical bills.

You rear-end another car. The other driver claims long-term neck damage and sues you for $600,000—threatening your savings.

In a crowded coffee shop, you accidentally spill your hot drink on a child. Treatment for his burns costs almost $700,000.

A guest in your home trips and falls. She injures her neck and arms and can’t work for a month. Treatment and lost wages add up to $550,000.

You are still learning a new language and unintentionally insult a restaurant’s chef. The comment goes viral, hurting the business.

You hire a contractor to fix your front deck. He needs a ladder and you let him borrow yours, but the leg of the ladder slips and he falls.

Your young driver glances down at their phone, swerves, and crashes into another car. Injuries to the other driver cost $800,000.

Your dog bites your new neighbor who is bringing over cookies. The medical bill for going to the ER to fix her leg costs $400,000.

Why Choose GEICO for Umbrella Insurance?

Seamless Bundling (And Savings!): Already a GEICO customer? Bundling your umbrella insurance with existing auto, home, or renters policies can simplify your coverage and potentially save you money.

Reliable Claim Service: Our team of insurance claim specialists are available 24/7 to answer questions and provide support when you need it most.

Customizable Coverage: We offer fully customizable umbrella insurance policies to ensure you get coverage that fits your unique circumstances.

Trusted Name in Insurance: With decades of experience and millions of satisfied customers, GEICO has earned a reputation as a dependable insurance provider. Choosing GEICO means partnering with a company you can trust.

Umbrella Insurance Quotes: Get the answers you're looking for.

Do you have a list of frequently asked questions about umbrella policies?

Yes! You can find the frequently asked questions about umbrella insurance on our umbrella FAQ page.

Should I consider an umbrella policy?

In most cases, you'll want to consider getting an umbrella insurance policy to increase your protection in the case of an accident or lawsuit.

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Umbrella Insurance

What is an umbrella insurance policy?

What is typically covered by umbrella insurance?

Why buy umbrella insurance?

How is an umbrella insurance policy different from raising policy limits?

Do you need umbrella insurance?

Who is covered by your umbrella insurance policy?

What is typically not covered by a personal umbrella insurance policy?

Why Choose GEICO for Umbrella Insurance?

Need an umbrella insurance quote?

Umbrella Insurance Quotes: Get the answers you're looking for.

Do you have a list of frequently asked questions about umbrella policies?

Should I consider an umbrella policy?

What are the underlying insurance requirements for an umbrella policy?

Where can I learn more about umbrella insurance?

How much umbrella policy coverage do I need?

How can I compare umbrella insurance quotes?

How much does an umbrella policy cost?

What is an umbrella insurance policy?

What is typically covered by umbrella insurance?

Why buy umbrella insurance?

How is an umbrella insurance policy different from raising policy limits?

Do you need umbrella insurance?

Who is covered by your umbrella insurance policy?

What is typically not covered by a personal umbrella insurance policy?

Why Choose GEICO for Umbrella Insurance?

Need an umbrella insurance quote?

Umbrella Insurance Quotes: Get the answers you're looking for.

Do you have a list of frequently asked questions about umbrella policies?

Should I consider an umbrella policy?

What are the underlying insurance requirements for an umbrella policy?

Where can I learn more about umbrella insurance?

How much umbrella policy coverage do I need?

How can I compare umbrella insurance quotes?

How much does an umbrella policy cost?

Products

Vehicles

Property

Personal

Commercial

Claims Center

Manage Claim

Claims Help

Claims Process

After a Car Incident

Resource Center

Tips & Tools

Help & Support

Access Your Policy