An Extra Layer of Protection When It Matters Most

If you're found liable for injuries to another person — in a car accident, on your property or elsewhere — umbrella coverage can pay damages beyond your underlying policy limits.

Covers damage you cause to someone else's property that exceeds the limits of your auto or home policy — including vehicles, structures and other assets.

Extends protection for personal liability claims such as defamation, libel, slander or false arrest — coverages that may not be included in a standard home policy.

If you own rental property, umbrella coverage can extend over your landlord liability exposure — protecting you from claims by tenants or their guests that exceed your rental property policy.

Umbrella policies typically cover legal defense costs in addition to damages — which can be substantial even in cases where you're ultimately not found liable.

Excess liability coverage sits above a specific underlying policy and mirrors its terms. It's commonly used by businesses or individuals who need higher limits on a particular line of coverage.