Extra liability protection above your home and auto.
A personal umbrella policy adds liability coverage on top of your existing auto and homeowners limits. It helps protect your savings and future income from lawsuits and large claims.
Added liability limits
Typically offered in $1M increments, sitting above your underlying policies.
Broader coverage
Can cover situations your underlying policies may exclude, such as certain personal liability claims, subject to policy terms.
Carriers compared
We review available carriers and help you choose limits that fit your assets and exposure.
If you have something to protect.
- Homeowners with equity and savings
- Households with teen drivers
- Landlords and owners of rental property
- Families with pools, dogs or frequent guests
- High earners with growing net worth
Requirements apply.
Carriers typically require minimum underlying auto and home liability limits, and eligibility depends on your driving record, properties and claims history. Umbrella quotes are currently available to California residents.
Umbrella, answered
Common questions we hear.
How much umbrella coverage do I need?
A common starting point is enough to cover your net worth and future earnings at risk. Your broker can walk through your assets, drivers, properties and risks to suggest limits.
Does it replace my auto or home insurance?
No. It sits on top of them. Your auto and homeowners policies pay first, and the umbrella applies once those limits are exhausted.
Do I need my auto and home with the same company?
Not always, but some carriers have requirements or offer better pricing when policies are bundled. We check this for you.
Is it available outside California?
Currently our umbrella service is for California residents.
Get an umbrella quote
Tell us about your household and we will compare carriers for you.
ProtectQuote is a division of Somerset Insurance Solutions, Inc. (CA Lic. 0H91219). Quotes and estimates are informational and not an offer of insurance. Actual premiums depend on application and underwriting by the insurance company, and rates are never guaranteed.