Best Umbrella Insurance: Reviews & Comparisons

Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).


Umbrella insurance doesn’t mean your umbrellas are insured or they will never blow downside up in a windstorm. Instead umbrella insurance is an additional layer of protection that adds to your homeowner’s or auto insurance protection.

Umbrella Insurance Common Questions

See some common questions and answers below

  • What is Umbrella Insurance?

    Umbrella insurance provides coverage when your homeowners or auto insurance limits have been exhausted. In addition, umbrella insurance can cover claims on you for false arrest, libel, slander, and liability coverage on rental units you own.


  • How Can Umbrella Insurance Help?

    If you are sued for damages that are more than your existing policies, the umbrella policy will kick in and pay for awards up to $5 million. This is a great way to protect assets like bank accounts, personal belongings, and other valuables. 

  • Who Should Get Umbrella Insurance?

    If you have assets to protect or are exposed to possible situations like trips and falls on your personal or rental property, umbrella insurance is a great way to keep yourself from losing everything in a lawsuit.


  • How Much Does Umbrella Insurance Cost?

    Policies cost between $150 and $300 a year, but may be higher depending on your net worth, where you live, credit history, driving record and exposure, like rentals or dog ownership.

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