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Understanding umbrella coverage

Why do I need it? An umbrella policy kicks in when your basic liability limits run out. In the event of a major accident, or a liability lawsuit, you'll be glad you have this extra protection.

Take a minute to see potential risks in your home, review some safety tips and use our calculator to help determine how much protection you may need.

Here are just some scenarios when having an umbrella policy may give you added peace of mind.

How much protection do I need?

For example, here's one way to think of it.

Take a minute to add up the following amounts to find out what could be at risk. The difference between all of these added up and your policy's current liability limits, could show how much you may have at risk in the event of a large loss. While state laws and restrictions may vary, it is a great way to see the potential impact an accident could have on your finances*.

Total assets:
The difference between your total assets and your current liability limits represents a potential gap.

Want to learn more about purchasing an umbrella policy?

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*Coverage and restrictions vary by state.