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Umbrella insurance (personal umbrella) adds liability limits above your underlying homeowners (or renters) and auto policies.

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What it’s for

Serious lawsuits and large injury claims can exceed standard auto or home liability limits. An umbrella is designed for that gap — it does not replace your primary policies. Carriers usually require minimum underlying liability limits before they will issue an umbrella.

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Who considers it

People with higher assets, teenage drivers, pools, or trampolines often review umbrella coverage — but the decision is personal. An agent can explain whether it fits your risk, not sell fear.

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Next step

Want to review liability stacking? A licensed agent calls during business hours (Mon–Fri 9–5 CT):