Learn — Policy basics
Umbrella insurance
What personal umbrella insurance is, how it stacks extra liability limits above your home and auto policies, and when a $1M or larger umbrella makes sense.
An umbrella policy adds liability limits above your underlying auto and homeowners (or renters) policies. It is designed for serious claims where base limits may not be enough.
Umbrella coverage typically requires minimum underlying liability limits on your auto and home policies. It is one of the most cost-effective ways to protect savings and future earnings from a large lawsuit.