Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Jul 19, 2021

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The Short of It

  • Personal umbrella insurance offers additional liability coverage
  • Umbrella insurance covers yourself and members of your household
  • An umbrella insurance policy doesn’t cover your own property or injuries

Personal umbrella insurance is an add-on to your home or liability auto insurance. This helps protect you from damages that are greater than your policy limits will cover.

Before you buy personal umbrella insurance, shop around to see who can offer you the best rates.

Enter your ZIP code now to compare personal umbrella insurance quotes from multiple companies near you.

What is umbrella insurance?

Personal umbrella insurance is an additional amount of liability coverage that you can add to your homeowner’s or auto insurance in case your standard coverage limits aren’t enough.

For example, your liability auto insurance has limits to the amount the insurance company will payout for property damage and bodily injury. If the damages you caused in an accident exceed those limits, you can be sued to cover the rest personally.

Let’s say your car slides into a couple of parked cars during a rainstorm. The accident causes $50,000 in damages, but your auto insurance has a $25,000 limit. You would be held responsible for the remaining $25,000.

You could also face the same problem if you cause bodily injuries. Medical care is expensive, and you can exhaust your insurance limits quickly.

This is where an umbrella policy would come in. But, just what is an umbrella policy?

Think of it as a large bucket that allows you to use the money as needed. You could use it to pay for property damage or bodily injury in an accident, among other things.

This type of coverage is a good idea for just about anyone, especially if you are at risk of being sued. This includes drivers, parents, homeowners, and pretty much everyone.

It’s important to note that personal umbrella insurance isn’t the same thing as excess liability insurance. Excess liability insurance only extends specific limits on the coverage you already have. An umbrella policy will offer more general liability coverage for you and members of your household.

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What does a personal umbrella insurance policy cover?

As an addition to your standard insurance policy, a personal umbrella policy will offer you access to coverage for certain damages.

An umbrella policy will cover:

  • Bodily injury
  • Property damage
  • Personal injury
  • Landlord liability

However, umbrella insurance won’t cover:

  • Your personal damages
  • Personal belongings
  • Personal or business contracts
  • Intentional damage or criminal actions

Personal umbrella insurance really isn’t that expensive. According to the Insurance Information Institute, you can expect to pay between $15-$300 a year for $1 million in liability coverage.

Most insurance companies will require that you already have in place an auto or home liability policy in a certain amount before they will extend an umbrella policy.

Although there really isn’t a specific personal umbrella insurance company, the good news is that most larger insurers offer the coverage. In most cases, you can simply add the coverage to your existing insurance policy.

This also makes it easier to find affordable personal umbrella insurance. Shop around and compare quotes from different companies to see you can offer you the cheapest coverage.

Enter your ZIP code now to receive personal umbrella insurance rates from companies in your area for free.