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Personal Umbrella Insurance - Let us find your best coverage - extra liability protection above your home and auto policies
A single lawsuit can exceed the liability limits on your home and auto policies. Send us a few details and we will shop 50+ carriers for umbrella coverage that protects your savings, home and future income – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Personal Umbrella Quote Request
Applicant Information:
Have these handy
- Declarations pages for your home, auto and watercraft policies
- Names and dates of birth of all household drivers
- Any rental properties, pools, trampolines or dogs
- Claims or lawsuits in the past 5 years
Related coverage
Coverage details
What personal umbrella insurance covers
A personal umbrella adds $1 million or more of liability protection above your home, auto and watercraft policies. A serious car accident, a dog bite or an injury at your home can lead to a lawsuit far larger than your underlying limits, putting savings, home equity and future wages at risk. Umbrella coverage is one of the most affordable ways to protect what you have built.
- Bodily injury - Injuries to others at your home, in an auto accident you cause, or anywhere in the world.
- Property damage - Damage you or family members cause to someone else's property.
- Personal injury - Libel, slander, false arrest, invasion of privacy and similar claims.
- Legal defense - Attorney fees and court costs, usually paid in addition to your limit.
- Drop-down coverage - Covers some claims your underlying policies exclude, after a small self-insured retention.
- Worldwide protection - Coverage follows you and your household members while traveling.
Good to know: your home and auto policies pay first, and the umbrella pays once their limits are used up. Carriers require minimum underlying limits, typically $250,000/$500,000 on auto and $300,000 on home.
Not covered: damage to your own property, intentional acts, business pursuits and professional liability.
Insurance Application:
Personal Umbrella
Required forms
Personal Umbrella Supplemental Application (PDF)
Related supplements (add any that apply)
Youthful Driver Umbrella (PDF)
Rental Property Umbrella (PDF)
Excess Liability (High Net Worth) (PDF)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Umbrella explained
How a personal umbrella works
An umbrella sits on top of your other policies and covers the same household, cars, homes and boats, with much higher limits.
Auto accidents
Serious injuries you or a household driver cause, often the largest personal claims.
Injuries at home
Dog bites, pool accidents and guest injuries.
Personal injury
Libel, slander and defamation, including online posts.
Legal defense
Attorney fees, often paid in addition to your limit.
How much do you need? A common starting point is enough to cover your net worth plus future earnings. Many families choose $1 to $2 million; higher-net-worth households often carry $5 million or more.
Who needs it
You may need an umbrella if you
Higher-risk situations
- Have a teen or young driver in the household
- Own a pool, trampoline or dog
- Own rental property
- Host gatherings or serve alcohol at home
- Own a boat or recreational vehicles
- Coach youth sports or serve on a nonprofit board
Assets worth protecting
- Home equity
- Savings and investments
- Future wages and income
- Business ownership interests
- Inheritance and education funds
Keep underlying limits in place. If your auto or home limits drop below the umbrella's requirement, you may pay the gap yourself. We match all policies at renewal.
Umbrella options
Find the right umbrella coverage
Start with the personal umbrella application, then choose any specialty version that fits your household.
Umbrella options
Excess Liability (High Net Worth)
High limits for high-net-worth families.
Get a quote Supplemental application (PDF)Excess Uninsured / Underinsured Motorist
Extra protection against uninsured drivers.
Get a quote Supplemental application (PDF)Underlying policies
This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.