Coverage

Umbrella Insurance

Liability coverage that sits above your auto and home limits. Usually the cheapest million dollars of protection a household can buy.

By state

Umbrella Insurance by state

Insurance is regulated state by state. What a policy must include, what it may exclude, and who writes it all change at the state line.

Buying guidesHow to choose an insurance agentAnyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.Aug 2026 · 6 min read
Coverage explainedWhy state minimum auto limits are not enoughMinimum liability limits were set decades ago and have not kept pace with medical costs or vehicle values. What they cover, and what happens when they run out.Aug 2026 · 3 min read
Coverage explainedUmbrella insurance explainedA layer of liability coverage that sits above your auto and home policies and engages when they run out. What it does, and what it does not.Aug 2026 · 4 min read
Buying guidesWhat a declination letter is, and why you want oneIf you turn down a coverage your agent recommended, ask for it in writing. Here is what that document should contain and why it protects you.Aug 2026 · 3 min read

Talk to someone who has to write it down

Every certified agency has agreed to present an adequately protected option before a price-driven one, and to document in writing anything you decline. That is a different conversation from the one that starts with a monthly figure.

Find a certified agent

Umbrella Insurance by state

Reading on umbrella insurance

Talk to someone who has to write it down