Cheap Personal Umbrella Insurance

If you're concerned about the minimum requirements of auto insurance and need more coverage, consider adding personal umbrella insurance to your policy. Personal umbrella insurance costs $150 to $300 per year or $12.50 to $25 per month. Everything you need to know about personal umbrella insurance policies is explained in this article. Read on to learn more.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • Personal umbrella insurance will pay for what liability auto insurance won’t cover.
  • Libel, slander, and false imprisonment are covered by personal umbrella insurance, also.
  • Members of your household are also covered by personal umbrella insurance.

Personal umbrella insurance is comprehensive liability coverage that covers more than just auto insurance accidents. A policyholder with personal umbrella insurance has protection if their liability auto insurance limits are too low to pay for damages or injuries because of an accident. Also, it provides legal and financial protection in case the policyholder is sued.

Who needs umbrella insurance? Our guide will go through everything you should know about the best umbrella insurance and where you can find an umbrella insurance company.

You can find personal umbrella insurance and umbrella insurance for business just about anywhere, but you can narrow down your search with our FREE comparison tool. Enter your ZIP code above to find affordable umbrella insurance quotes in your local area.

What is personal umbrella insurance?

Personal umbrella insurance is insurance coverage with extensive coverage for personal insurance options that cover auto insurance, home insurance, or other types of personal insurance when they’ve reached their limit.

Also, personal umbrella insurance can help with events where standard insurance can’t reach. Watch this video for more information about personal umbrella insurance.

Please read the following sections to learn what personal umbrella insurance covers and what it doesn’t cover. Try out our FREE comparison tool to compare car insurance quotes in your local area. Enter your ZIP code to get started.

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What does a personal umbrella insurance policy cover?

Personal umbrella insurance covers parts of insurance that minimum requirements or full coverage don’t cover. For example, if your coverage limits don’t cover the costs of damages or injuries after an accident, personal umbrella insurance will activate.

According to Investopedia, your personal umbrella insurance can cover attorney fees and other expenses from an auto accident lawsuit or any other lawsuit, except criminal activity.

Stand-alone umbrella insurance can cover much more, such as accidents in a home, legal costs, and even people who live in the same household as the policyholder.

What does an umbrella policy not cover?

Although an umbrella policy covers those specific situations that personal insurance doesn’t, it won’t cover some of the costs. If there are fees or miscellaneous charges when you’re getting sued or fees to start services, you will be responsible for paying them.

Personal umbrella insurance won’t cover anything that’s not listed in your policy. For instance, criminal activity and other exclusions in the policy won’t be covered by personal umbrella insurance.

Here’s a more detailed example of what personal umbrella insurance covers and what it doesn’t cover.

What Personal Umbrella Insurance Covers
What Personal Umbrella Insurance CoversWhat Personal Umbrella Insurance Does Not Cover
Bodily injury treatment and funeral costs of othersYour bodily injuries
Property damage of othersDamage to your personal belongings
Any lawsuits involving slander, libel, defamation of character and other personal attacksBodily injuries or property damage that your business is liable for
Your legal defense costsIntentional or criminal acts
Bodily injuries or property damage suffered by a tenant if you're the homeownerLiability associated with contracts you’ve entered into
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Personal umbrella insurance is handy in a complicated situation, but is personal umbrella insurance necessary? It would depend on your needs. However, if you have teen drivers, commercial auto insurance, or high-risk drivers with minimum coverage insurance, it may be necessary to add personal umbrella insurance.

How much does personal umbrella insurance cost?

Some personal umbrella policies are worth up to $1 million. The average cost for personal umbrella insurance is $150 to $300 per year ($12.50 to $25 per month). Of course, umbrella insurance at Geico and Progressive will have different prices.

Here’s a list of companies that offer personal umbrella insurance and how customers rate them.

  • Liberty Mutual – Best Overall Personal Umbrella Insurance
  • Chubb – Known for Personal Umbrella Insurance for Families with a High Net Worth
  • USAA – Best Personal Umbrella Insurance for Members of the Military and Their Immediate Families
  • Travelers – Best Personal Umbrella Insurance for Small Businesses
  • Geico – Best Personal Umbrella Insurance Bundle
  • Allstate – Best Personal Umbrella Insurance for Those that Travel

The cost of a personal umbrella policy could change if you have a good credit score. According to the Federal Trade Commission, insurance companies often lower prices for those with a good credit history because they present less risk of filing claims.

Find auto insurance companies in your area to get affordable auto insurance. Just enter your ZIP code in the online quote tool.

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Is the umbrella policy a waste of money?

It’s a small investment that will save you a lot of trouble if you get into a situation where personal umbrella insurance can help. A stand-alone personal umbrella insurance policy may have a higher coverage limit but could cost a little more than average.

Only add personal umbrella insurance if you believe you need it. If it’s recommended that you get an umbrella policy, you should go ahead and add it to your current insurance policy or find a personal umbrella insurance provider.

Personal Umbrella Insurance: The Bottom Line

If you want to be prepared for the unexpected, get personal umbrella insurance not just for auto insurance but for any other personal insurance options that you have. It’s useful if you have a young driver on your car insurance policy who is away from home.

Perhaps you have a business with a collection of vehicles. Personal umbrella insurance appears to be essential for commercial auto insurance. You’ll need an umbrella insurance policy to keep business operations intact.

Enter your ZIP code in the FREE comparison tool below to see what insurance options are available in your local area.

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