Personal Umbrella
Umbrella liability — the cheapest million dollars you'll ever buy.
Extra liability over your auto, home, boat, and rental policies. Usually $200–$500 a year for $1M in coverage.
What umbrella extends over
- Auto liability
- Homeowners liability
- Landlord / rental dwelling
- Boat & watercraft
- Recreational vehicles
- Some personal injury (libel/slander)
How much umbrella do I need?
A rough rule: enough to cover your net worth plus future earnings. Many households start at $1M; high-net-worth or high-liability profiles carry $5M–$10M.
Does umbrella cover business?
Personal umbrella covers personal liability. Business umbrella or commercial excess covers business. They're separate policies.
Ready for a real quote from a real person?
Independent agency. Multiple A-rated carriers. Straight answers.