877-411-6112The Woodlands, TX · Aliso Viejo, CA · DeLand, FL
Personal Insurance Umbrella Insurance

Umbrella insurance adds an extra layer of protection when you go over your limits.

A single extra liability policy that picks up where your auto, home, or watercraft coverage limits leave off — so one bad day doesn't threaten everything you've built.

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Home/Personal Insurance/Umbrella Insurance
What does umbrella insurance cover?

Protect your financial future when a claim exceeds your limits.

Umbrella insurance has an unusual name, but it's a simple concept — an extra liability policy for added peace of mind. Most commonly, it's coverage you get on top of an auto, home, or watercraft policy. It focuses specifically on liability, the cost you might owe someone else for an event where you're held responsible.

You'd usually turn to umbrella insurance when your main policy's liability limits are too low for your needs. The umbrella only pays out once your main policy has paid in full — picking up the remainder of the costs.

Interactive Coverage

Click it. Read it. Cover it.

Explore a family home from above — pool, driveway, and all — and see exactly what an umbrella policy protects. Tap any gold marker on the scene.

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Step 2Discover risks
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Core coverageAuto Liability Overage

Kicks in once your auto policy’s liability limits are exhausted after a serious at-fault accident.

Extends bodily injury liability limits
Extends property damage liability limits
Applies after your auto policy pays in full
Real-world claimA multi-car accident leaves damages exceeding your auto policy’s $500,000 limit.
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Core coverage Included endorsement Optional add-on
Good to know

Common questions, answered.

This type of coverage is specifically about liability — the cost you might have to pay somebody else for an unfortunate event where you’re held responsible. It doesn’t usually include losses you bear yourself, such as damage to your own property or stolen possessions.

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