Personal umbrella insurance is additional liability coverage that generally applies above qualifying underlying personal policies such as auto, homeowners, condo, renters, landlord, motorcycle, or other eligible liability insurance.

The applicable underlying policy generally responds first. If a qualifying covered liability claim exceeds its available limit, the umbrella may provide additional protection subject to the umbrella policy’s terms, limits, conditions, and exclusions.

No. Homeowners, renters, landlords, families with multiple drivers, and people with current or future income may all have reasons to consider additional liability protection.

Umbrella coverage is often available in million-dollar increments, but available limits vary by insurance company, underlying insurance, household exposure, claims history, and underwriting requirements.

Consider your assets, current and future income, household drivers, vehicles, properties, rental units, recreational vehicles, watercraft, lifestyle, existing limits, and overall liability exposure.

A personal umbrella may provide additional liability protection above qualifying auto liability coverage after a covered accident, subject to required underlying limits and policy terms.

It may provide additional liability protection above qualifying homeowners personal liability coverage for covered claims, subject to the required underlying limit and umbrella policy terms.

Possibly. Renters may qualify when they maintain the required underlying renters and auto liability limits and satisfy the insurance company’s eligibility requirements.

Certain personally owned rental properties may qualify under personal umbrella programs when the properties are properly disclosed and maintain required landlord liability coverage.

It may, depending on property ownership, property type, number of rentals, occupancy, underlying landlord coverage, liability limits, and umbrella insurer requirements.

Certain motorcycle liability exposures may qualify depending on the umbrella insurer and whether required underlying motorcycle liability limits are maintained.

Certain watercraft may qualify depending on boat type, size, ownership, use, operator information, underlying insurance limits, and insurance company guidelines.

Certain recreational vehicle exposures may qualify when properly disclosed and insured. Eligibility and required underlying limits vary by insurance company.

A household driver may fall within umbrella coverage when properly disclosed and insured under qualifying underlying policies, subject to policy definitions, driver eligibility, and underwriting requirements.

Required auto, homeowners, condo, renters, landlord, motorcycle, watercraft, and other liability limits vary by umbrella insurer. The primary policies should be reviewed before the umbrella is issued.

If an underlying policy’s liability limits fall below the umbrella insurer’s required minimums, a potential coverage gap may result. Review primary-limit changes before reducing coverage.

Personal umbrella insurance is primarily liability protection. Collision and comprehensive coverage are generally used for qualifying physical damage to your own vehicle.

Umbrella insurance is primarily additional liability coverage. Property coverage under homeowners or another applicable property policy is generally used for qualifying damage to your own residence.

A personal umbrella should not be assumed to cover business, professional, or commercial liability. Separate commercial insurance should be reviewed for business activities.

Intentional injury or intentional property damage may be excluded or treated differently. Coverage depends on the issued policy language and facts of the claim.

All relevant household vehicles, residences, rental properties, watercraft, motorcycles, recreational vehicles, and other liability exposures should be disclosed so eligibility and underlying requirements can be reviewed accurately.

Contact the agency so the new property and liability exposure can be reviewed. New properties should not be assumed to be automatically included under an existing umbrella policy.

Pricing may depend on the umbrella limit, household drivers, vehicles, residences, rental properties, motorcycles, recreational vehicles, watercraft, prior claims, existing insurance, and insurance company guidelines.