Compare Personal Umbrella Insurance Policy Rates

We understand that when you're shopping for a personal umbrella insurance policy, you're looking for extra liability coverage, NOT extra budget headaches.

That's why we offer free, comparative quotes from the top personal umbrella insurance carriers - so you can get the best possible rate in the shortest amount of time.


What is a personal umbrella policy?

Umbrella insurance policies are a type of liability insurance that offers inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims.

This policy often supplements your basic automobile liability with extra million-dollar layers of protection.

It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.

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How much personal umbrella insurance do I need?

These days, you don’t have to be a millionaire to be sued like one. While million-dollar judgments against individuals for negligence are still relatively rare, receiving a lawsuit with a million-dollar demand is quite common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

This means determining the amount of personal umbrella insurance you wish to carry is mostly dependent on the assets you wish to protect and what your personal comfort level is regarding the protection of these assets.

We always recommend speaking with our insurance agents to get a sense of what a reasonable balance might look like between depth of coverage and your budget.

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