Coverage guide

Umbrella Insurance

Extra liability limits that sit on top of your auto, home, and boat policies.

Who it's for: Homeowners with meaningful net worth, families with teen drivers, landlords, and anyone with public exposure.

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What you get

  • Limits typically start at $1M and go up to $10M+
  • Kicks in when auto or homeowners liability limits are exhausted
  • Often covers claims underlying policies exclude (libel, slander, false arrest)
  • Extremely inexpensive per dollar of coverage — often $200–$400/year for $1M
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