Extra protection when limits aren't enough.
umbrella insurance.
Umbrella kicks in after your primary liability limits are exhausted. Critical if you have assets to protect or higher exposure (teen drivers, pool, rentals).
What's in
Coverage that actually covers.
- $1M / $2M / $5M / $10M limits
- Sits over auto + home
- Often surprisingly affordable
Excess liability
Extends your underlying policy limits.
Defense costs
Legal defense beyond your primary policy.
Common questions
Answers, in plain English.
- Who needs umbrella?
- Anyone with meaningful net worth, rental properties, teen drivers, or pools should consider it.
