A personal umbrella policy provides an extra layer of liability protection above your home, auto, and other personal policies — often for as little as $150–$300/year for $1M in coverage.
An umbrella policy kicks in when your underlying home or auto liability limits are exhausted — and it can also cover claims your other policies don't.
Provides additional coverage above your auto policy limits after a serious accident.
Extends coverage above your homeowners policy limits for injuries on your property.
May cover claims your underlying policies don't — like false arrest, libel, slander, and defamation.
Provides extra protection if you own rental properties.
Pays attorney fees and court costs for covered claims.
Most umbrella policies provide coverage for incidents anywhere in the world.
Anyone with assets worth protecting should consider an umbrella. If you own a home, have savings, or earn a good income — you have more to lose than you think.
$1M in coverage typically costs $150–$300/year in Utah. Each additional million is usually $50–$100 more.
Consider your net worth: home equity, savings, retirement, future income. If a lawsuit judgment exceeds your auto/home limits, your personal assets are at risk. $1M is the most common starting point.
Only after your underlying auto or home policy limits are fully exhausted. It's a safety net, not a replacement for adequate primary coverage.
Many umbrella policies cover personal injury claims like defamation, libel, and slander — including online activity. Coverage varies by carrier.
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