A personal umbrella sits on top of your home and auto liability limits. When a claim blows through your primary policy, the umbrella kicks in — usually in $1M increments — to protect your assets and future earnings from a lawsuit.
Your home policy has a liability limit. Your auto policy has one too. A personal umbrella sits on top of both and extends that liability coverage further — usually in $1M increments up to $5M or more.
When an at-fault auto accident, a dog bite, or a serious injury on your property results in a claim that blows through your primary limits, the umbrella kicks in next. It's built for the catastrophic, unexpected losses that can otherwise wipe out savings, home equity, and future earnings.
Most people go their whole life without filing an umbrella claim. The ones who do are usually glad they had it.
You're at fault in a crash that causes severe injuries. Medical bills, lost wages, and pain-and-suffering awards climb past your auto liability limit. The umbrella covers the rest.
A guest is hurt at your home, pool, or trampoline. Homeowners liability covers the first layer; the umbrella handles anything beyond that, including legal defense costs.
Dog bites, young drivers, and rental-property incidents are the scenarios most likely to generate a claim large enough to exhaust primary limits. Umbrella is the safety net.
Libel, slander, false arrest, and defamation claims can be covered under most personal umbrella forms — coverage your standard home and auto policies usually don't include.
If you own a rental home or two, a personal umbrella can be scheduled to cover those units too — often cheaper than adding large liability limits to each dwelling policy.
Umbrella pays defense costs on top of the liability limit. Even when a lawsuit is ultimately dropped, legal fees can easily run into the tens of thousands — the umbrella takes care of those.
Every umbrella carrier requires minimum underlying liability limits on your primary policies before they'll attach an umbrella. For auto, that's typically 250/500/100 (or 300/300). For home, usually $300K. If your current limits are lower, we'll adjust them at the same time we quote the umbrella — it's rarely as expensive as people expect.
Your assets, your future earnings, your peace of mind — an umbrella covers all of it for pennies per day.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you — please review your own policy documents carefully and contact us directly for specifics about your account.