Personal liability
Personal umbrella
Additional personal-liability limits above the home, auto, and other policies listed beneath it.
A personal umbrella application typically reviews household drivers, residences, vehicles, watercraft, young drivers, rental properties, and the limits maintained on the policies beneath it.
Who this covers
- Households seeking additional liability limits
- Property owners with personal exposures
- Households with multiple vehicles or homes
- Eligible rental-property owners
- Clients coordinating broader insurance programs
What underwriters look at
- Required limits on the policies beneath the umbrella
- Drivers and vehicles
- Residences and rental units
- Watercraft and recreational exposures
- Excluded activities
Common questions
Does an umbrella cover every personal activity?
No. Eligibility, underlying requirements, exclusions, and policy wording determine what is covered.
Can commercial exposures sit under a personal umbrella?
Generally they require separate review. Do not assume a personal umbrella responds to business or commercial-property activity.
Start a conversation
Tell us about the household and policies.
Share the details and current coverage you already have. We’ll tell you what else is needed.