Get protected from the unexpected with umbrella insurance
Rest easy knowing you’re covered.
Did you know that your home and auto insurance policies have limits?
MYTH: Home and auto insurance cover everything.
FACT: Most home and auto insurance policies only provide liability coverage up to a few hundred thousand dollars.
So, what happens if a neighbor trips on your sidewalk and sues you for $1 million? Good news, a separate umbrella insurance policy protects you above and beyond your home or auto’s liability coverage.
What is umbrella insurance?
We’ve partnered with RLI Insurance to bring you a personal umbrella policy that delivers affordable protection. Umbrella insurance extends your homeowners and auto insurance protection by providing additional liability coverage. You can purchase it on top of your homeowners or auto insurance policy to ensure that you are covered if something were to happen.
What does umbrella insurance cover?
Here are some examples of what umbrella insurance typically covers.
If your dog or pet harms someone, umbrella insurance covers damages.*
Umbrella insurance can provide social media liability and legal fee coverage in case of a lawsuit.
Inexperienced drivers have protection beyond your existing auto policy limits.
Farmers are insured with higher limits to protect against catastrophic losses.
If a neighbor trips on your sidewalk or a visitor falls in your home, you’re protected from suits that go above your home insurance policy’s liability coverage.
Guest injuries caused by things you own like pools and trampolines are covered.
What isn't covered under umbrella insurance?
- Personal belongings
- Injuries to yourself or household member
- Intentional or criminal acts
- Liability that your business is responsible for
- Liability associated with contracts you’ve agreed to
Did you know? You may want the extra protection of umbrella coverage if you have an asset like an ATV, RV, boat, or motorcycle.
Get coverage beyond the basics
Protection everywhereCoverage that goes where you go — nationwide or worldwide.
Personal liability coverageUp to millions in coverage beyond your existing home and auto policies.
Fewer limitationsNo age limit on drivers — if you have a license, you’re eligible for protection.
More common questions about umbrella insurance
How is umbrella insurance different from home and auto insurance?
Umbrella insurance is completely separate from your home insurance and auto insurance policies. It is designed to cover claims in excess of your regular policies.
How do I know if I need umbrella insurance?
If you’re concerned about the risk of being sued, umbrella insurance is for you.
These risk categories can help you determine whether umbrella insurance is a good fit:
- If you own a home or property
- If you’re a dog owner
- If you have a teen driver
- If you have significant savings or other assets
- If you coach youth sports