Personal umbrella policy

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.

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.

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.

Educational only — not a quote, coverage guarantee, or legal advice. Availability varies by ZIP, carrier, and underwriting. Talk with a licensed Asshield agent for options that fit.

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