Olive Cover
AboutFree Coverage Review

UMBRELLA INSURANCE

Personal umbrella insurance for serious liability protection.

State minimum auto liability limits were not designed to handle real accidents. A serious at-fault accident can generate $500,000 or more in damages. A personal umbrella adds $1M to $5M of liability coverage above your home and auto policies for a few hundred dollars per year.

Free Coverage Review

WHAT'S COVERED

What an umbrella policy covers.

Excess auto liability

Sits above your auto policy's bodily injury and property damage limits. If you are at fault in an accident that exceeds your auto liability, the umbrella picks up where auto leaves off, up to your umbrella limit.

Excess home and personal liability

Sits above your homeowners or renters liability limit. Covers injuries on your property, dog bites, libel and slander claims, and most other personal liability situations beyond your underlying limits.

Worldwide coverage

Most umbrella policies provide liability coverage anywhere in the world, even when your underlying auto and home policies are limited to the United States. Travelers benefit from this without realizing it.

Defense costs

Pays for legal defense in covered liability claims, often outside the policy limit. Even a frivolous lawsuit costs tens of thousands to defend. Defense coverage matters as much as the limit itself.

IMPORTANT LIMITATIONS

What an umbrella policy does not cover.

Business and professional liability

Personal umbrella policies exclude liability arising from a trade, business, or profession. Business liability needs a commercial umbrella over a commercial general liability or professional policy.

Intentional acts

Damage you intentionally cause to people or property is excluded, as are criminal acts. Umbrella covers accidents and negligence, not intent.

Owned property and bodily injury to insureds

Umbrella does not cover damage to your own property or injury to people in your own household. Those losses are handled by your home, auto, or health policies.

Excluded recreational vehicles

Some recreational vehicles, watercraft above certain sizes, and aircraft are excluded unless specifically scheduled. If you own a boat, RV, ATV, or similar, confirm umbrella coverage extends to it.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

No items found.

CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

Read full answer →

What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

Read full answer →

What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

Read full answer →

Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

Read full answer →

GET STARTED

Carrying $100,000 liability on your home? It may not be enough.

A $1M personal umbrella typically costs under $300 per year. Send us your current home and auto carrier information and we will get you quoted.

Varies by underlying liability limits, household risk factors, and number of vehicles and properties. Most households pay between $200 and $500 per year per $1M of coverage.

Free Coverage Review