Umbrella Insurance

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

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 guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
Coverage explained
Why state minimum auto limits are not enough
Minimum 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.
Coverage explained
Umbrella insurance explained
A 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.
Buying guides
What a declination letter is, and why you want one
If 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.

Talk to someone who has to write it down

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

Find a certified agent for umbrella insurance

Umbrella Insurance by state

Reading on umbrella insurance

Talk to someone who has to write it down