Personal Umbrella Insurance
Your auto and home policies stop at their limits. A serious verdict doesn't. The umbrella covers the distance between the two, usually for less than people expect. We quote it right alongside your home and auto.
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What is a personal umbrella policy?
A personal umbrella policy adds extra liability coverage above your home and auto limits, typically in million-dollar increments. When a serious accident produces a judgment larger than your primary policy pays, the umbrella is built to cover the difference before your savings, home equity, or wages do.
What this policy is typically built to handle.
- Extra liability above your homeowners limits
- Extra liability above your auto limits
- Certain claims underlying policies may not pick up, like some personal injury allegations, depending on the form
- Defense costs, which run high even on suits that ultimately fail
- Liability worldwide on many forms, not just at home
Who usually carries it.
- Families with teen drivers on the policy
- Homeowners with pools, trampolines, or docks
- Anyone with savings, home equity, or income a judgment could reach
- People who host guests on their property regularly
- Drivers with long commutes and high annual mileage
What it does not cover
- Business activities and professional services, which generally need their own coverage.
- Intentional acts. Insurance covers accidents, not choices.
- Rental properties may or may not be covered depending on the form and how many units you own. Landlords should never assume.
- Claims below your underlying policy limits. The umbrella starts where home and auto stop.
- Contractual liability you took on by agreement, commonly excluded.
- Exact terms vary by carrier and form. Tell us about rentals, boats, or anything unusual when we quote it.
The teenage driver
Picture a 17-year-old with a new license taking the family car to a weekend event. Misjudging speed on an unfamiliar road, he crosses the center line and hits an oncoming car. The other driver needs surgeries and extended rehab, and can't return to the skilled trade he's worked for twenty years. His attorney files suit, and the jury's verdict comes back at several times the family's auto liability limit.
The auto policy pays its limit, and the umbrella covers the rest of the verdict up to its own limit. The family's savings, retirement accounts, and home equity stay where they are. Without it, the court collects the excess judgment from exactly those assets.
Get a QuoteAn illustrative example, not a real claim. Every claim is decided by the insurance company under the terms of the actual policy.
What affects your cost.
No two households price the same. The only way to know your number is to quote it, and the quoting part is our job.
- Underlying home and auto limits, which must meet the umbrella's minimums
- Number and ages of drivers in the household
- The umbrella limit you select
- Property features like pools and trampolines
- Overall assets and exposure
Questions we hear a lot.
A working baseline is coverage at or above your net worth, since that's what a judgment can pursue, and future income can be reachable too. Teen drivers, waterfront property, and rental units all argue for more. The jump from one limit tier to the next usually costs less than the first million did. We'll size it with you in one conversation.
Often yes, but the umbrella dictates minimum underlying limits, and some insurance companies price better, or only offer the umbrella, when they also hold your auto. If your current limits sit below the umbrella's requirements, those get raised first. We structure the whole stack across our markets so nothing gaps. That's the point of having one agency see all of it.
Business activities, professional services, and intentional acts generally sit outside the policy. Rental properties may or may not be covered depending on the form and how many units you own, and that distinction bites landlords who assume they're covered. If you hold rentals or run anything commercial, tell us when we quote it and we'll place it correctly.
Umbrella coverage adds a large amount of liability protection for a comparatively modest premium. Per dollar of protection, it's usually the least expensive coverage in your entire program. Actual pricing depends on your drivers, properties, and the limit you pick, so we quote it alongside your home and auto and you see the real number.
Coverage that often pairs with this.
- Homeowners InsuranceThe house, your belongings, and your personal liability. The details that matter are the roof, the wind deductible, and the exclusions.
- Auto InsuranceLiability, injury coverage, and your vehicle. The coverage that earns its premium is uninsured motorist, and most policies skimp on it.
Get your Personal Umbrella Insurance quote.
Tell us once. A licensed agent shops it across the 50+ insurance companies we work with and comes back with real options, not a form letter.
- Fill this out. It takes a few minutes, not an afternoon
- A licensed agent shops your file across the 50+ insurance companies we work with
- Quotes come back, on average, within 24 hours²
Disclosures
- Sinai Coverage LLC is an independent insurance agency, not an insurer. Coverage is provided by the insurance companies your policy is placed with. Headquartered in Sunny Isles Beach, Florida. Serving all 50 states.
- Average across recent quote requests. Complex risks and certain coverage lines can take longer.