Personal Umbrella

Excess liability over auto/home for higher limits.

Overview

Umbrella policies provide an extra layer of liability protection, typically in $1M increments. They require certain underlying limits on auto and home policies.

Key Features

  • Limits from $1M to $10M+ (carrier‑dependent)
  • Worldwide liability
  • Defense costs outside limits (varies)

Eligibility & Required Documents

Eligibility

  • Clean driving history preferred
  • Required underlying limits satisfied

Documents

  • Auto/Home declarations pages
  • Driver list and household exposures

Frequently Asked Questions

Do youthful drivers impact eligibility?

Yes, youthful or inexperienced drivers may change pricing or carrier options. We’ll guide you.