Homeowners Insurance Homeowners
People who own the home they live in · Owners of a second or vacation home
Coverage for primary homes, secondary homes, seasonal homes, condos, and rental properties.
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Personal Lines
Personal Umbrella Umbrella
Additional liability protection above auto and homeowners policies.
An umbrella policy is extra liability insurance. It sits on top of your auto and home (or renters/condo) policies and starts paying after those policies run out.
How it works
A serious car accident or a lawsuit from an injury at your house can exceed the $300,000 or $500,000 on a standard policy very quickly. An umbrella adds another $1 million or more of liability protection and can also cover some claims the underlying policies do not. It does not replace auto or homeowners coverage — you still need those policies, usually at required minimum limits, for the umbrella to attach. Households with teen drivers, a pool, a trampoline, rental properties, boats, or meaningful savings and future income are the typical buyers. The cost is often modest compared with the limit you are buying.
Who this is for
- Households with savings, investments, or future earnings to protect
- Families with teen drivers
- Owners of pools, boats, or rental properties
- Anyone whose current liability limits feel too thin
What it typically covers
- Liability above auto and home policy limits
- Certain lawsuits for injury or damage you cause
- Defense costs as described in the policy
- Some exposures that underlying policies handle only in part
A simple example
A multi-car accident produces $1.4 million in injuries. Your auto policy pays its $500,000 limit. The umbrella is what is designed to respond to the rest, up to its limit.
Good to know
- You usually must carry stated minimum limits on auto and home first.
- An umbrella is liability only — it does not repair your house or your car.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
What to review before a homeowners insurance renewal
Rebuild cost, roof, water, deductibles, and the flood gap that a standard HO-3 never fills.
Read guide