Independent Personal Umbrella Brokerage
Umbrella Insurance: Compare Quotes Nationwide
An umbrella policy adds \$1M+ of liability coverage on top of your auto and home policies. If you're sued for more than your underlying limits, the umbrella covers the gap — protecting your assets, wages, and future earnings.
Get a Personal Umbrella QuoteWhat Umbrella Insurance Covers
- excess auto liability
- excess homeowners liability
- excess watercraft liability
- personal injury (libel, slander, defamation)
- worldwide coverage
Umbrella Insurance FAQ
Who needs an umbrella policy?
Anyone with assets to protect — a paid-off home, retirement savings, kids in college, future earning potential. Common triggers: teen drivers, swimming pool, dog, rental property, frequent entertaining. \$1M of umbrella runs about \$200-400/year.
How much umbrella coverage should I carry?
At minimum \$1M; ideally enough to cover your net worth plus 10× your annual income. The price jump from \$1M to \$2M is usually only \$75-150/year, so it's almost always worth doubling up.
Get a Personal Umbrella Quote
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9 AM – 5 PM EST.