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Personal coverage

Personal umbrella insurance

Adds extra liability limits above your home, auto and other personal policies.

What it covers

What umbrella covers

Personal umbrella insurance provides additional liability protection above the limits of your underlying policies, such as auto and home, for a covered claim that is larger than those limits, subject to its own terms.

It does not replace your underlying coverage, and it usually requires underlying policies with minimum limits.

Availability. Personal insurance is offered mainly in California. Other states vary by need, so ask us about yours.

Your price

What affects the cost

No two quotes are the same. We compare options from multiple carriers so you can see the trade-offs.

  • Limits you want above your policies
  • Your underlying policies and limits
  • Drivers and household
  • Your claims history
Please note. Descriptions are general. Actual coverage depends on the policy you purchase, and coverage decisions are made by the carrier. Submitting a request is not a quote, binder or coverage.

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