One serious accident or lawsuit can run past the liability limits on your home or auto policy. A personal umbrella sits above both and adds $1M to $5M of extra protection, typically for $200 to $400 a year at the first million. We'll check your underlying limits and quote it alongside the policies you already have.
An umbrella kicks in after the liability limits on your underlying home and auto policies are used up. Here's what that extra layer picks up.
Adds liability coverage above your homeowners policy limit. That matters if someone is seriously injured on your property and sues for more than your base policy covers.
Extends above your auto liability limits after a serious accident. Medical costs and legal judgments in serious accidents routinely exceed standard auto limits.
Pays defense fees above your underlying policy limits. Those can reach six figures in a serious lawsuit even if you win.
Covers libel, slander, false arrest, and invasion of privacy claims that may not be covered under your homeowners policy.
Most personal umbrella policies cover liability worldwide, so you're still protected for incidents that happen outside the US.
May cover liability from activities your underlying policies don't fully cover: rental properties, volunteer work, and serving on boards.
Answered the way we'd answer them on the phone.
A $1M umbrella is a good starting point for most NY families. Landlords, high-net-worth individuals, those with teenage drivers, and anyone with significant assets should consider $2M–$5M. We'll help you assess your exposure.
A $1M personal umbrella typically costs $200–$400 per year — one of the best values in insurance. Each additional million in coverage is usually even less expensive.
Most umbrella carriers require you to maintain minimum underlying limits on your home and auto, and some require that you place those policies with them. We'll find an umbrella that works with your existing carriers where possible.
Homeowners, landlords, parents of teen drivers, dog owners, anyone with significant assets or income, those who frequently entertain guests, and anyone who volunteers or serves on boards. The cost is minimal vs. the risk.
We'll need your current home and auto details to quote an umbrella. Send them through the quote form and a licensed NY agent will shop it across 30+ carriers and check your underlying limits at the same time.