When Regular Coverage Isn't Enough: Umbrella Insurance That Goes Further

Umbrella provides broader coverage across multiple policies and can cover some claims not included in underlying policies, while excess liability only extends existing coverage limits.

Personal umbrella insurance provides additional liability coverage beyond the limits of your primary home, auto, or other personal insurance policies to protect your assets.

Coverage includes personal injury, property damage, libel/slander, false arrest, and liability from serving on nonprofit boards.

It's relatively inexpensive, often $150-300 annually for $1 million coverage, with each additional million costing less.

A general rule is to have coverage equal to or greater than your total assets, including future income potential. Most policies start at $1 million.

Typically requires minimum liability limits on underlying policies (often $250,000/$500,000 for auto and $300,000 for home) and good insurance history.

No, umbrella policies exclude intentional or criminal acts, business activities, and contractual liabilities.

It activates when underlying policy limits are exhausted or for certain claims not covered by primary policies but covered by the umbrella.

Yes, if listed on underlying auto policy, but may affect premium and required underlying limits.

Coverage varies by insurer; international properties may require special endorsements or separate policies.