Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 26, 2021

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Just What's Essential

  • Personal umbrella insurance offers coverage beyond the limits of your other insurance policies
  • Umbrella insurance typically costs between $150 and $300 per year for $1 million in coverage
  • Many top insurance companies sell umbrella insurance
  • An umbrella policy could be beneficial for anyone looking for extra protection

Expensive accidents can happen to anyone at any time. That’s why it’s essential to make sure you’re protected. A personal umbrella insurance policy can help ensure your insurance will cover you in just about any incident.

If you want help finding affordable car insurance, our guide will teach you how to find quotes and choose the best policy for your needs.

Enter your ZIP code above to get personal umbrella insurance quotes for free.

What is umbrella insurance?

Personal umbrella insurance is a type of insurance that offers coverage beyond the limits of your other insurance policies. It may also cover claims that your existing policies don’t.

An umbrella policy may cover injuries, property damage, some lawsuits, and some personal liability situations. While some of your other car insurance policies may cover this, umbrella insurance can exceed your policy limits.

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How much does personal umbrella insurance cost?

The Insurance Information Institute states that a $1 million umbrella insurance policy will cost about $150 to $300 per year. An additional $1 million will cost another $75 per year, while each $1 million of coverage after that is about $50 per year.

An umbrella policy’s cost will depend on how much coverage you purchase, the state you live in, and your risk level. However, umbrella insurance is typically cheaper than other types of insurance.

Where can I find an umbrella insurance policy?

Many top car insurance companies will sell umbrella insurance, so finding an affordable personal umbrella insurance policy that is right for you shouldn’t be difficult. Some companies include Liberty Mutual, USAA, Travelers, GEICO, and Allstate.

Personal umbrella insurance typically requires that you have certain limits on your other insurance policies beforehand. For example, you may be required to have the maximum liability coverage on your car and homeowner’s insurance.

Some companies may also require that your car and homeowner’s insurance is purchased from the same company before issuing you an umbrella policy.

Should I buy personal umbrella insurance?

A personal umbrella insurance policy could be beneficial for just about anyone since high-cost accidents can occur anytime. It may also help those with families since some umbrella policies may cover accidents that your spouse or children cause.

Therefore, if you have the maximum amount of liability allowed by your car or homeowner’s insurance, and you want to make sure you’re protected as well as possible, you may want to consider purchasing an umbrella policy.

Get started below by entering your ZIP code to compare personal umbrella insurance rates from companies in your area.