The Wet Driveway
A delivery driver slips on your wet driveway, hurts their back, and sues.
EXTRA PROTECTION. ONE AGENT.
Umbrella Insurance: Protect What You've Built
When a big accident or lawsuit goes past your home or auto limits, umbrella coverage picks up where they stop. One agent reviews your whole setup and lines it up for you.
- Extra liability protection on top of home, renters, and auto
- We review your current limits so there are no gaps
- Bundled with one licensed agent
What Is Umbrella Insurance?
Umbrella insurance is extra liability coverage that sits on top of your auto, home, or renters policy. If you're found responsible for a serious injury or damage and the costs go past your regular limits, your umbrella policy helps pay the rest, so your savings, home, and future paycheck aren't on the line.
How Your Coverage Stacks
Your umbrella policy$1 million limit
Your auto or home liability$250,000 limit
Claim amount: $800,000
You cause a car accident and the other driver's injury claim is $800,000.
- Your auto policy pays up to its limit, say $250,000.
- Your $1 million umbrella policy can pay the remaining $550,000.
- Without an umbrella, that $550,000 could come out of your pocket.
Example for illustration only. Actual coverage depends on your policies and limits.
Do You Need an Umbrella Policy?
You might, if any of these sound like you:
- You own a home or have equity in one
- You have savings, retirement, or investments
- You have a teen or new driver in the house
- You have a dog
- You have a pool, trampoline, or hot tub
- You host guests or parties often
- You own a rental property
- You coach youth sports or volunteer
- You post reviews or opinions on social media
- You travel out of the country
Anyone can be sued. An umbrella is about protecting your future income and what you've worked for.
It Only Takes One Bad Day
The Teen Driver
Your new driver looks at their phone, swerves, and seriously injures another driver.
The Dog Bite
Your dog bites a neighbor who needs surgery and time off work.
The Pool Party
A guest is hurt diving into your pool and needs months of rehab.
The Viral Post
A heated online review leads to a defamation lawsuit.
The Overflowing Tub
You flood the condo below, damaging their home and shutting down their home business.
What Umbrella Insurance Covers
Typically covered
- Bodily injury to others — medical bills, rehab, lost wages
- Property damage to others — their car, home, or belongings
- Legal defense costs if you're sued (many policies pay this in addition to your limit)
- Libel, slander, defamation, and invasion of privacy claims
- Incidents anywhere in the world
- You, your spouse, and relatives who live with you
- Optional: rental properties, extra vehicles, boats, and recreational vehicles
Typically not covered
- Your own injuries
- Damage to your own home, car, or belongings
- Business activities (a separate commercial umbrella is available)
- Intentional or criminal acts
- Liability you take on in a contract
Coverage varies by carrier. Your agent will go over exactly what's included.
How It Works
We review your current policies.
Your agent looks at your auto, home, or renters liability limits.
We line up the limits.
Most umbrella policies require certain minimum liability limits underneath. If yours are too low, we'll show you how to raise them.
We shop and bundle.
We compare umbrella options from multiple carriers and set it up with your home and auto.
Home + Auto + Umbrella. One Agent.
An umbrella works best when it's set up together with the policies underneath it. Keep everything with one agent so your limits line up, nothing falls through the cracks, and renewals stay simple. Bundling can also unlock multi-policy discounts with many carriers.
Have These Ready and You're Done Fast
- Your current auto policy (or declarations page)
- Your current home or renters policy (or declarations page)
- Number of vehicles and drivers in the household (including teens)
- Any rental properties, boats, motorcycles, or RVs you own
- Pool, trampoline, or dog info (if any)
- How much umbrella coverage you're thinking about (we'll help you decide)
Step 1 of 2 · Your contact details
Got it. A licensed agent will review your coverage and reach out shortly. Need help now? Call us at (844) 369-7722.
We Look at the Whole Picture
Multiple carriers, one agent
We compare umbrella options instead of selling just one company.
Full policy review
We check your home, renters, and auto limits so your umbrella actually works.
No phone-tree runaround
Request online and a licensed agent calls you back fast.
Bundled
Home, renters, auto, SR-22, and umbrella in one place.
Every renewal
We re-check your limits as your life changes (new driver, new home, new pool).
Umbrella Insurance FAQs
Extra liability coverage that sits on top of your auto, home, or renters policy and helps pay when a claim goes past those limits.
A common rule is enough to protect what you own (home equity, savings, investments) plus your future income. Most people start at 1 million and add more in 1 million increments. Your agent will help you decide.
Usually, yes. Most carriers require certain minimum liability limits on your auto and home or renters policy before they'll write an umbrella. If yours are too low, we'll help you raise them.
Yes. You don't have to own a home. Renters with a car, savings, or a good income can benefit too.
Yes. It can help pay legal defense costs and settlements for covered claims, including some claims your other policies don't cover, like libel, slander, and defamation.
Typically it covers you, your spouse, and relatives who live with you, including teen drivers. Check your policy for exact details.
Many umbrella policies cover incidents anywhere in the world.
Usually not your own injuries, damage to your own property, business activities, intentional acts, or liability you take on in a contract.
Often, yes. One umbrella adds protection across several policies at once, and it can cover claims your other policies don't. Your agent can compare both options.
Once we have your current auto and home or renters info, your agent can usually shop it and get you options quickly.
Protect What You've Built. One Call.
Let a licensed agent review your coverage and add an umbrella the right way.
Coverage, limits, underlying insurance requirements, discounts, and availability vary by carrier and state and are subject to underwriting approval. Examples on this page are for illustration only. This page is a general description of coverage, not a contract. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Best Buy Insurance is a licensed insurance agency. License #[LICENSE NUMBER].