Umbrella insurance gives you extra liability coverage on top of your home and auto policies. If someone sues you and the costs go past your other policy limits, umbrella coverage can help pay the difference.
What umbrella insurance covers
• Bodily injury: for example, a guest is hurt at your home, or you cause a serious car accident.
• Property damage: damage you cause to someone else's property.
• Certain lawsuits: some policies cover claims like libel or slander.
• Legal defense costs: often included, depending on the policy.
Umbrella policies don't cover your own injuries or your own property. Coverage details vary by insurance company, so review the policy terms.
Who should consider it
• Homeowners, especially with a pool, trampoline, or dog
• Families with teen drivers
• Landlords and owners of rental property
• People with significant savings or assets to protect
• Anyone who coaches, volunteers, or serves on a board
How it works with your other policies
Most insurance companies require you to carry certain minimum liability limits on your home and auto policies before they'll sell you an umbrella policy. Bundling these policies with one agency can make claims and renewals simpler.
Get a quote
We compare umbrella, home, and auto options from multiple insurance companies. Call 888-891-WINK (9465) or fill out our intake form at link2wink.com/intake to get started.
