Extra liability protection
Personal umbrella insurance for extra liability protection
A serious accident or lawsuit can cost more than your home or auto policy will pay. A personal umbrella policy adds another layer of liability protection on top of those policies. Kaufman Insurance Group compares umbrella options from multiple companies and helps you choose a limit that fits your life.
- Extra liability coverage above home, auto, and other policies
- Can help with legal defense costs, depending on the policy
- One policy that can cover your whole household
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare personal umbrella insurance from the companies we work with. The companies that can quote you depend on what you want to insure, where you live, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What personal umbrella insurance is
Personal umbrella insurance is extra liability coverage. Liability means your legal responsibility to pay for injuries or damage you cause to other people. Your home and auto policies each have a liability limit, which is the most they will pay. An umbrella policy can pay more after those limits are used up.
Here is a simple example. If you cause a car accident and the other driver’s medical bills and lost wages are more than your auto policy’s liability limit, you could be asked to pay the difference yourself. An umbrella policy is designed to step in and pay above your auto limit, up to the umbrella’s own limit, according to the policy terms.
Umbrella policies can also cover some situations your other policies do not, such as certain claims of libel or slander, depending on the company. Many also help pay for lawyers to defend you. We will show you what each option includes.
Your underlying policies
Your home, auto, and other policies pay first, up to their own liability limits.
Your umbrella policy
The umbrella pays after those limits are reached, up to the umbrella limit you choose.
Know what you are choosing
What an umbrella policy typically covers
Coverage depends on the company and the policy wording. These are common situations an umbrella policy is built for.
Serious car accidents
Injuries to other people that cost more than your auto liability limit.
Injuries at your home
A guest is badly hurt at your house, and the claim is more than your homeowners liability limit.
Recreational vehicles
Accidents involving your boat, RV, motorcycle, or other vehicles listed with the umbrella.
Legal defense
Many umbrella policies help pay for lawyers and court costs when you are sued for a covered claim.
Certain personal injury claims
Some policies cover claims such as libel, slander, or false arrest, depending on the policy.
Your household
Coverage often applies to you and family members who live with you, according to the policy.
An umbrella policy does not cover damage to your own property or your own injuries, and it does not cover business activities unless the policy says so. Ask us about commercial umbrella coverage if you own a business.
Is it right for you
Who should consider an umbrella policy
You do not have to be wealthy to benefit from an umbrella policy. A lawsuit can reach your savings, your home equity, and even your future income. These situations are good reasons to take a closer look.
Homeowners
You own a home and have equity in it, and you have guests over from time to time.
Families with teen drivers
New drivers in the household can raise the chance of a serious accident.
Owners of pools, trampolines, or dogs
These can increase the chance that someone is hurt at your home.
People with rental property or toys
You own a rental home, boat, RV, or other vehicle that adds liability risk.
Wondering how much liability coverage you should carry? An agent can walk through it with you.
How Kaufman helps
How we help you choose an umbrella policy
Umbrella policies usually require certain limits on your home and auto policies first. Because we can review all of your policies together, we can make sure they fit.
Review your current policies
We look at your home, auto, and other policies to see your current liability limits.
Compare umbrella options
An agent reviews umbrella coverage from the companies we work with and explains any required limits.
Choose your limit
Pick the umbrella limit that fits your situation. We will adjust your other policies if needed so there are no gaps.
We focus on Ohio and North Carolina, and we can also help households in most other states. If you buy a home, add a driver, or buy a boat or RV, let us know so we can make sure your umbrella still fits.
Common questions
Personal umbrella insurance questions
What does an umbrella policy cover?
An umbrella policy adds liability coverage above your home, auto, and certain other policies. It can help pay for injuries or damage you cause to others, and often your legal defense, once your other policy limits are used up.
Do I need to have home and auto insurance first?
Yes, in most cases. Umbrella policies usually require you to carry certain liability limits on your home and auto policies. Some companies also require those policies to be with them.
Does an umbrella policy cover my business?
A personal umbrella policy usually excludes business activities. If you own a business, ask us about commercial umbrella or excess liability coverage.
Does an umbrella cover damage to my own car or home?
No. An umbrella policy is liability coverage, which pays for harm you cause to others. Damage to your own property is covered by your home or auto policy.
How much umbrella coverage should I get?
It depends on your assets, income, and risks such as drivers, pools, or rental property. An agent can help you think it through, and you make the final choice.
Related coverage
Policies your umbrella sits on top of
Homeowners insurance
Protection for your house, belongings, and liability at home.
Explore homeowners insuranceAuto insurance
Coverage for the vehicles your household drives.
Explore auto insuranceHome and auto bundles
Keep your home, auto, and umbrella policies coordinated with one agent.
Explore bundlesPersonal insurance hub
See every type of personal coverage we can help you with, from your home and cars to your toys and valuables.
Explore personal lines insuranceReady to add umbrella protection?
Start an umbrella insurance quote online, or contact us with questions. An agent will help you compare options.
Prefer to talk? Call (330) 486-8404.