Umbrella Insurance

Understanding umbrella insurance — who needs it, what it costs, and what it covers.

Coverage Overview

Umbrella insurance provides additional liability coverage beyond the limits of your home, auto, and other policies. It kicks in when your underlying policy limits are exhausted.

Average Cost

$150 - $400/year per $1M

Who Needs It

Anyone with significant assets to protect, high-risk exposures (pool, trampoline, teen drivers), or anyone who could be targeted in a lawsuit.

Key Exclusions

These are typically NOT covered by this type of insurance:

✗Your own injuries or property damage
✗Business activities
✗Intentional acts
✗Contractual liability

Umbrella Insurance FAQ

How much umbrella insurance do I need?

A common rule of thumb is to have umbrella coverage equal to your net worth. Most people start with $1M, which typically costs $150-400/year.

Check Your Coverage

Use our Coverage Profile Builder to see if umbrella insurance is right for your situation.

Build Your Coverage Profile

Coverage Classroom provides educational information only. This is not insurance advice, and we are not licensed insurance agents or brokers. Always consult with a qualified insurance professional before making coverage decisions.