Best Umbrella Insurance

A personal umbrella policy provides an additional layer of protection over the coverage already provided by your auto, homeowners or other personal insurance policies. Even if you think you have adequate insurance for your car, house or small business, a lawsuit could exceed your liability coverage. Umbrella insurance coverage picks up where the liability limits of other policies leave off.

Common Questions

See some common questions and answers below
What is umbrella insurance?
An umbrella insurance policy is insurance coverage that protects you from lawsuits and claims that go beyond the limits and coverages of other insurance policies.
What are the most important factors to consider when shopping for umbrella insurance?
Most people are not as selective when they shop for umbrella insurance as when they search for an auto or home insurance. However, you can save a lot of money and get better coverage if you invest a little time reading umbrella insurance reviews and consumer ratings.

Here are some basic factors to consider next time you shop for umbrella insurance:

Bundle vs stand-alone policy.
Minimum liability coverage.
Maximum coverage.
Umbrella insurance cost

What does umbrella insurance cover?
Typically, umbrella insurance provides coverage when a claim exceeds your homeowners, auto, and boat insurance policies limits.

It also covers events that are often excluded from regular liability policies, such as false arrest, libel, slander, rental homes, and damages caused by your dog.

A properly chosen umbrella insurance policy is an excellent tool to protect you from the liability gaps left by auto and home insurance policies. However, comparing umbrella insurance is difficult because they are not standardized like most auto and home insurance policies. At the very least home and auto insurance policies include similar scope and coverages across the board. Umbrella insurance policies, on the other hand, are defined by a set of exclusions and endorsements that vary from policy to policy.

Therefore, it is important to be familiar with umbrella insurance endorsements, riders, and additional coverages when comparison shopping umbrella insurance.

The list below is not comprehensive but includes some of the most common coverages included in umbrella insurance policies. Before you start asking for umbrella insurance quotes or comparing umbrella insurance company ratings, it’s important that you are clear about what coverages you need.