Umbrella Insurance

Umbrella insurance quotes: Get peace of mind for a low price.

What situations could umbrella insurance cover?

  • Injuries to other people if you're at fault
  • Damage 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, you could lose your home and savings due to a major claim.
  • Liability claims are often expensive. You might have to work for years to pay off a claim.
  • Lawsuits can happen to anyone. You can be sued even if you're not wealthy or at-fault.

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

  • Can add $1 million* in coverage to several policies—and may cost less than raising the limits on other policies 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. An umbrella policy could save you from paying out of your own pocket.

No one is safe from serious accidents and lawsuits. How might you need an umbrella insurance policy? We'll give you some examples.*

Explore the interactive infographic by clicking or tapping on the glowing bubbles below.

Check all the boxes that apply to 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.

Umbrella Insurance Infographic

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.

*Exclusions may apply.

Who is covered by your umbrella insurance policy?

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

Need to speak with us about getting an umbrella insurance quote?

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

  • Mon - Fri

    8:00 AM - 10:00 PM (ET)
  • Sat
    8:00 AM – 9:00 PM (ET)

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

  • Do you have a list of frequently asked questions?

    Yes! You can find the frequently asked questions about umbrella insurance on our umbrella FAQ page.
  • How can I learn more about GEICO Umbrella Insurance?

    For additional information about umbrella insurance like how it works, what's covered, and more, please visit our umbrella insurance about page.
  • Should I consider an umbrella policy?

    Yes. In most cases you'll want to consider getting an umbrella insurance policy as a way to increase your protection in the case of an accident.
  • Where can I learn about underlying policies and limits?

    There are certain required limits that you'll need to have on your other insurance products 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?

    Check out our straight forward info about umbrella insurance in our insurance 101 series.

*Other policy limits are also available.

Please note:

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. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks. Rates and discounts vary, are determined by many factors, and are subject to change. For complete details, including exclusions and limitations, please refer to the policy you will receive when you purchase the coverage. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Umbrella policies sold by GEICO may be underwritten by either GEICO General Insurance Company, Government Employees Insurance Company, or RLI Insurance Company (, an unaffiliated partner. Umbrella insurance claims for policies underwritten by RLI Insurance Company are processed by RLI Insurance Company.