An umbrella policy is the cheapest serious protection in personal insurance. It sits above your home and auto liability limits and takes over when a claim exceeds them.
A homeowners policy might carry $300,000 or $500,000 of liability. An auto policy might carry similar limits. A serious injury claim — a permanent disability, a multi-vehicle accident, an incident involving a young passenger — can exceed those limits substantially. Everything above the limit is collectible from you personally: savings, investments, and future earnings.
A million dollars of umbrella coverage typically costs a few hundred dollars a year. There is no other coverage with that ratio of protection to premium.
Umbrella carriers require you to carry specified minimum liability limits on the underlying home and auto policies. Raising those underlying limits is usually inexpensive, and it is a condition of the umbrella responding at all.
Send us the declarations page you have now. We read it line by line, tell you plainly where the gaps are, and shop it across the carriers appointed in your state. If what you hold is already the right policy, we will say so.
Send your policyOne brokerage, one file. If it is on this list we can shop it alongside whatever you already hold, and tell you where the two policies overlap or leave a gap.
Send us what you have now. We will read it properly, tell you where the gaps are, and shop it across the carriers appointed in your state. If it is already right, we will say so.
Independent insurance guidance for your home, your business, and your life across state lines.