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Drivers in Your City May Be Overpaying by $500+/Year
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5 Benefits of Umbrella Insurance

Your auto and home insurance have liability limits — typically $300,000-$500,000. One serious accident or lawsuit can exceed those limits and put your savings, home, and future earnings at risk. Umbrella insurance closes that gap.

1

Extra Liability Coverage ($1M+ for ~$200/Year)

An umbrella policy adds $1-5 million in liability coverage on top of your existing auto and home insurance. A $1 million policy typically costs just $150-300/year — pennies compared to the protection it provides.

2

Covers What Other Policies Don't

Umbrella insurance covers liability gaps like defamation lawsuits, false arrest, invasion of privacy, and liability in foreign countries. Your auto and home policies don't cover these scenarios.

3

Protects Your Assets and Future Earnings

If you're found liable for $800,000 in damages and your auto policy maxes out at $300,000, you're personally responsible for the $500,000 difference. Courts can garnish wages, seize assets, and place liens on property. Umbrella insurance prevents this.

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4

Covers Your Entire Family

A single umbrella policy covers you, your spouse, and your dependents — including teen drivers. Given that teen drivers are in the highest-risk category for accidents, this is especially valuable for families.

5

Peace of Mind in a Litigious World

The average personal injury settlement is $52,900, but verdicts regularly exceed $1 million. If you have assets worth protecting — a home, savings, investments — umbrella insurance is the cheapest way to protect them all.

Frequently Asked Questions

Who needs umbrella insurance?▼
Anyone whose assets exceed their existing liability coverage. If you own a home, have savings or investments, own rental property, have a pool or trampoline, employ household staff, or have teen drivers — you should seriously consider it.
How much umbrella insurance do I need?▼
A common rule: your umbrella policy should cover your total net worth. If your assets total $1.5 million, get at least $2 million in umbrella coverage. Policies come in $1 million increments.
Is umbrella insurance expensive?▼
No — it's one of the cheapest insurance products available. A $1 million policy costs $150-300/year. Each additional $1 million costs about $50-100 more. The value-to-cost ratio is exceptional.

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