Personal umbrella insurance

Auto and homeowners liability limits don’t always stretch far enough when a serious claim lands. A personal umbrella adds another layer of liability capacity over those underlying policies (and sometimes other exposures), when carriers offer it for your situation.

How an umbrella sits on top of auto and home

Your auto and home policies each have a liability limit. If a serious crash or injury claim goes beyond that limit, a personal umbrella can pick up where they stop, up to the umbrella's own limit, often in $1 million layers. Most umbrella carriers require you to keep certain minimum liability limits on the underlying auto and home policies, so we'll set those up to fit together. Umbrellas can also cover some claims your other policies don't, like certain personal injury claims, depending on the policy.

What it often does

• Adds liability limits above auto and home (policy-specific)
• May help with certain personal liability lawsuits after underlying limits are used
• Is often discussed with young drivers, pools, rentals, or higher net-worth households

Want the deeper guide?

Read our education article: Why umbrella matters — claims stories & plain English. This coverage page is the product hub; that Learn page goes deeper on examples and who should ask.

Umbrella insurance in Lexington and Kentucky

Kentucky households often ask about umbrellas when they add a teen driver, buy a rental property, put in a pool, own a boat on Lake Cumberland or Herrington Lake, or simply have savings and a home worth protecting. Kentucky's minimum auto liability (25/50/25) is low compared with the cost of a serious crash, so an umbrella on top of higher auto limits is a common setup. We help Central Kentucky families from our office at 2240 Executive Dr Ste 103, Lexington, KY 40505, (859) 368-0162. Related: car insurance in Lexington · home insurance in Lexington · landlord insurance.

Umbrella insurance in Florida

Florida doesn't require bodily injury liability for most drivers, which leaves many households underinsured for injury claims. An umbrella usually requires solid underlying auto and home liability first, and we'll walk through that with you from our Fort Walton Beach office (850-684-0164).

We can also quote GEICO for a personal umbrella, alongside the other carriers we compare.

What to ask an agent

• Current auto and home liability limits (umbrellas usually require minimums underneath)
• Drivers in the household, rentals, boats, or other exposures
• How much additional capacity makes sense for your assets and risk tolerance

Also see home & property, auto, and specialty.

Questions we hear

What does a personal umbrella cover?

Extra liability above your auto, home and other personal policies, for injuries or damage you're legally responsible for, up to the umbrella limit and subject to the policy terms.

Do I need certain limits on my car and home insurance first?

Usually yes. Umbrella carriers set minimum liability limits on your underlying policies. We'll line them up.

Who should consider an umbrella?

Households with teen drivers, rental properties, pools, boats, or significant savings and home equity often ask about one.

Does an umbrella cover my business?

No. A personal umbrella is for personal liability. Businesses need a commercial umbrella.

Availability note: Product availability varies by ZIP, carrier, and state. Asshield shops options when available across our 12 licensed states — Fort Walton Beach, FL and Lexington, KY offices ready to help.

Educational only — this page is not a policy, quote, or coverage guarantee. Product availability varies by ZIP, carrier, state, and underwriting. Talk with a licensed Asshield agent about options that fit your situation.

Explore more: Umbrella Learn guide · Specialty hub · All coverage