Protection for life’s bigger liability risks
Umbrella insurance provides additional liability protection beyond the limits of your auto, homeowners, or renters insurance, helping protect your assets and future earnings when a major claim exceeds your existing coverage.
Added liability protection
Key areas of umbrella insurance coverage
Umbrella insurance sits above the liability limits of your underlying policies, providing additional protection when a covered claim exceeds those limits. Coverage can extend across your auto, home, or renters insurance and, depending on your policy, certain recreational vehicles and possessions.
Auto Liability
Get additional liability protection when a serious auto accident results in damages that exceed your auto policy limit, including claims involving bodily injury, property damage or loss of income.
Homeowners Liability
Extend the liability protection provided by your homeowners policy, helping protect your home, savings and future earnings when a covered claim exceeds the limits of your underlying insurance.
Renters Liability
Umbrella insurance can provide additional liability protection above your renters policy limits, offering another layer of financial protection when a covered liability claim exceeds your existing coverage.
Recreational Vehicle Liability
Depending on your policy, umbrella coverage can extend liability protection for recreational vehicles and possessions such as boats, motorcycles, ATVs, snowmobiles and motor homes.
Legal Defense Costs
Anyone can face a lawsuit, including claims that may ultimately prove unsuccessful. Umbrella insurance can provide coverage for defense costs associate with covered liability claims.
Excess Liability Claims
When a covered liability judgement exceeds the limit of an underlying policy, umbrella insurance can cover eligible amounts above that limit, up to the umbrella policy’s coverage limit.
Additional protection options
Extend your protection beyond the basics
Umbrella coverage can be structured to provide additional liability protection across multiple policies and possessions based on your household needs.
Extend eligible liability protection to possessions such as boats, motorcycles, ATVs, snowmobiles or motor homes.
Purchase additional umbrella limits when you need liability protection beyond the standard level of coverage available.
A stand-alone umbrella may be available when your auto and home coverage are placed with different insurance carriers.
Coverage built around you
More protection starts with the right advice
Navacord brokers can review your existing liability protection and help identify an umbrella insurance solution suited to your needs and budget.
Review your existing polices and liability limits to identify where additional umbrella protection may help address potential gaps.
Explore available options to find a combination of liability protection and value that works for your household and budget.
Access umbrella options that can work across multiple policies, including stand-alone solutions when underlying coverage use different insurers.
FAQs for umbrella insurance
Umbrella insurance provides additional liability coverage above the limits of underlying policies such as auto, homeowners, or renters insurance. It can help cover eligible costs when a covered liability claim exceeds those existing limits.
Umbrella insurance sits above your underlying liability coverage. If a covered claim exceeds the liability limit of your underlying policy, the umbrella policy can cover eligible remaining costs up to its own coverage limit.
Auto and home policies include liability limits, but a serious claim can exceed them. Umbrella insurance provides an additional layer of protection that can help protect assets and future earnings from eligible liability claims.
Umbrella insurance provides additional liability protection above auto, homeowners or renters policies, depending on the policy, coverage may also extend to boats, motorcycles, ATVs, snowmobiles, motor homes and other eligible possessions.
No. Umbrella insurance has exclusions and does not cover every liability or damage. For example, punitive damages are not covered. A broker can help you understand the specific inclusions, exclusions, and limits of your policy.
Personal umbrella insurance quote