Umbrella Insurance Get Quote Now

Personal Umbrella or PCL coverage provides an additional layer of protection above and beyond the limits of the liability covered under your auto and homeowners insurance. An Umbrella policy can be less expensive than merely raising the limits on each of the policies separately and sometimes can be issued in higher amounts than your auto or homeowner insurance company is willing to provide.

The high coverage limits that an Umbrella policy provides can be very important if you have significant assets (home, business, etc.) to protect.  The Umbrella policy protects you and those covered under your insurance against the financial burdens of a catastrophic claim, lawsuit or judgment by providing expanded liability coverage over and above your primary liability protection, thereby increasing the amount of coverage beyond that of your auto insurance and homeowner/renter insurance. (Example). You’ll still need auto and homeowner coverage, as insurance companies require certain minimum levels of underlying coverage before they will issue an Umbrella policy. Some carriers will offer a ‘stand-alone umbrella policy’ if you have the basic liability coverage with another carrier. As a general rule of thumb, anyone with over $100,000 in assets may want to consider purchasing umbrella coverage.