Your home and auto policies can contain substantial liability limits without covering the full cost of a severe claim. Personal umbrella insurance is an additional layer to consider when responsibility for someone else's injuries or property damage could exceed those limits. The useful starting point is the coverage you already carry and the activities you need it to address.

Choose the description most relevant to your concern; these categories can overlap. This is a general comparison, not a coverage determination. An umbrella does not pay every lawsuit or repair your own damaged property, and required underlying insurance must stay in place. The contract, facts of a claim, and applicable law control.

Which best describes you?

Choose the situation most relevant to you. These descriptions can overlap; each opens a different coverage consideration.

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