Coverage
Umbrella Insurance
A personal umbrella adds liability limits, usually in $1 million increments, above your underlying home, auto, and recreational policies once those limits are exhausted.
What a policy usually includes
- Excess liability over home, auto, and toys
- Defense costs in covered claims
- Some coverage for claims your base policies exclude, depending on carrier
What to watch for
- Carriers require minimum underlying limits before an umbrella will attach.
- Business exposures are generally excluded from personal umbrellas.
- Umbrellas are usually inexpensive relative to the limit purchased.
Related coverage
Kriener Insurance is a licensed insurance agency. Coverage descriptions on this site are general summaries for information only and do not amend, extend, or alter any policy. Coverage, terms, discounts, and availability vary by carrier, state, and applicant, and are subject to underwriting approval. Only the issued policy determines what is covered. Submitting a request does not bind, alter, or cancel coverage.
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