Need an umbrella insurance quote?
Existing umbrella policyholder?
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. An umbrella policy could save you from paying out of your own pocket.
Nobody's safe from serious accidents and lawsuits. How might you need an umbrella policy? We'll give you some examples.
Check all the boxes that apply to you and your family.
Explore the interactive infographic by clicking or tapping on the glowing bubbles below.
You forget to turn off your garden hose. The mailman slips on your wet driveway, injures his back, and sues you for $450,000.
A visiting relative borrows your car and causes a serious collision. Injuries to the other driver and passengers total $1.2 million.
While backing out of a parking space in a hurry, you hit a pedestrian. You're responsible for over $1 million in medical bills.
Someone claims that your social media post is false and damaging to his reputation. He sues you for $500,000 in libel.
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.
While driving through traffic, you get into a multi-car accident. You're found at fault. Damages to several vehicles total $750,000.
One of your tenants starts a fire that spreads to somebody else's home. You're liable for $400,000 in damages.
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 a jogger who's passing by your house. She sues you for $650,000.
Your car skids on a patch of ice and crashes into a car in the other lane. You're responsible for $900,000 in injuries and damages.
Umbrella insurance: peace of mind for a low price
Who is covered by your umbrella policy?
- You and your spouse
- Any relative or dependent living with you
- A friend or relative who borrows your car
How does umbrella insurance work with your other policies?
Umbrella insurance can kick in after you've reached the limits on your other policies. Imagine that you injure another driver in a car accident. He sues you for $500,000, but your auto policy only covers up to $300,000. An umbrella policy could cover the additional $200,000—and help save you from financial hardship.
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*Other policy limits are also available.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.