A second layer of liability above your auto and home.

Your auto and homeowners policies each have a liability cap. An umbrella sits above both of them and extends your protection — sometimes by millions — for a fraction of the cost.

If you have teen drivers, a swimming pool, a boat, rental properties, or visible assets to protect, an umbrella is one of the most cost-effective policies you can buy.

What’s covered

• Extended liability — Additional limits over and above your auto and home policy liability caps.
• Lawsuit defense — Legal defense costs in claims that exceed your underlying coverage.
• Worldwide coverage — Many umbrella policies extend overseas — useful for travel and second homes.
• Personal injury — Libel, slander, and false-arrest claims that standard homeowners often excludes.

We usually quote umbrella alongside auto + home so the package math works out as cleanly as possible.