Personal Umbrella Insurance
Umbrella insurance adds an extra layer of liability protection above the limits of your home, auto, or landlord policy. If a serious accident or lawsuit exceeds your underlying coverage, umbrella insurance protects your savings, home equity, and future income from being at risk.
What it covers
- Liability above the limits of your home, auto, and landlord policies
- Legal defense costs, typically in addition to the policy limit
- Claims across multiple properties and vehicles under one policy
- Certain personal injury claims, such as libel and slander, that underlying policies may exclude
Who needs it
Homeowners, landlords, and anyone with meaningful assets or a public-facing risk (a pool, a dog, a rental property, teen drivers).
The question is not how much you earn — it is how much a judgment could reach. Umbrella coverage is generally inexpensive relative to the limits it adds.
Common gaps we see
Umbrella policies sit on top of underlying coverage and require you to carry minimum liability limits on the policies beneath them. If your auto or home liability limit drops below that threshold, the umbrella may not respond as expected. We check that the whole stack lines up.
How SureNest helps
As an independent broker, we compare multiple carriers to match your situation with the right policy — not a one-size-fits-all plan pushed by a single insurer.