Umbrella Insurance
Liability protection sized for your life.
A personal umbrella policy extends your liability coverage well beyond what your home and auto policies provide, protecting your assets, your income, and your future from a single bad day.
$1M–$50M+
Coverage limits we place.
~$500
Typical annual cost of a $1M umbrella policy.
15x
How far a single lawsuit can reach beyond auto limits.
24 hours
Average turnaround for a new umbrella quote.
Why It Matters
The coverage that protects everything else.
Umbrella insurance is personal liability protection that dramatically extends the limits of your underlying home and auto policies. If something happens and you're found responsible, umbrella covers what your primary policies can't.
The reason it matters for high-net-worth families is simple: standard auto and home liability limits aren't designed for the kind of judgments and settlements high-asset households can attract. A $300K auto limit doesn't go far against a serious injury claim.
A properly sized umbrella, often $5M to $25M for our clients, keeps your savings, equity, and future earnings from becoming targets, and it does so for a remarkably small premium relative to the coverage it provides.
What an umbrella policy typically covers above your underlying limits.
Lawsuits & legal defense
Defense costs are covered in addition to your limit, often where umbrella pays for itself.
Bodily injury liability
Pays when you're responsible for someone else's injuries beyond your underlying limits.
Property damage liability
Covers damage you cause to others' property when home or auto coverage is exhausted.
Getting Started
Everything you'll want to know.
Buying umbrella the first time raises a lot of questions: coverage, cost, how to size it, how it interacts with your other policies. Start here.
The Basics
What is umbrella insurance, and how does it work?
Umbrella sits on top of your home and auto policies, kicking in when their liability limits are exhausted. It also fills gaps for things standard policies often exclude.
Read the guide →
Pricing
How much does umbrella insurance cost?
Most $1M policies run $300–$700/year, scaling roughly $75–$150 for each additional $1M. Cost varies with assets, drivers, properties, and exposures.
Read the guide →
Right-Sizing
How much umbrella insurance do you really need?
A reasonable starting point is your total net worth plus future earnings. Public-facing roles, teen drivers, pools, boats, and rentals all push the right number higher.
Read the guide →
Homeownership
Umbrella insurance for homeowners
Pools, trampolines, dog bites, and entertaining at home are common liability triggers. We coordinate underlying limits so your umbrella drops into place cleanly.
Risk Profile
One policy, many risks.
Umbrella responds to a wide range of liability events across your home, vehicles, and lifestyle without you needing to stitch together separate policies.
Auto accidents
A single at-fault crash can easily exceed standard auto liability limits.
At-home injuries
Slip-and-fall claims from guests or workers can result in large judgments.
Youth liability
Sports, parties, and social media disputes can pull parents into lawsuits.
Dog bites & pets
One of the most common liability claims, often excluded from base policies.
Boats & watercraft
Boats, jet skis, and watercraft carry meaningful third-party injury exposure.
Defamation & libel
Personal injury protection covers slander, libel, and false-imprisonment claims.
When To Consider Higher Limits
If any of this sounds like your life.
Most of our clients carry an umbrella because their lifestyle, assets, or visibility creates real exposure, not because they expect anything bad to happen. These are the situations where higher limits make sense.
Scenario
You rent out a vacation home
Short-term rentals expand liability and frequently exceed standard limits.
Scenario
You enjoy water sports
Boats and watercraft create high-stakes guest and third-party exposure.
Scenario
You have teenage or young adult drivers
Newer drivers raise frequency and severity of at-fault accidents.
Scenario
You serve on nonprofit boards
Board service can pull you into directors-and-officers style claims.
Scenario
You own ATVs or horses
Recreational vehicles and animals are common liability triggers.
Scenario
You have a public profile
Visibility increases the likelihood of opportunistic lawsuits.
FAQ
Quick answers before you ask.
The questions we hear most often about umbrella: how it works, what it costs, and how to size it well.
Talk to an advisor →Ready When You Are
Built around your actual exposure.
Tell us about your home, properties, and lifestyle. A licensed advisor will return a right-sized umbrella recommendation in about a day.