Umbrella insurance
An umbrella policy sits on top of your home and auto liability. When a covered lawsuit outruns those limits, the umbrella pays the difference up to its own limit, which puts another layer between a judgment and your savings.
The Insurance Information Institute estimates the first $1 million of umbrella coverage at about $150 to $300 a year, with each added million costing less. That is a national estimate, and your quote depends on your household.
Carriers price an umbrella on the drivers in your house, the number of vehicles and homes, and things like pools, trampolines, dogs, and rental property. Most carriers also require higher liability limits on the home and auto policies underneath, so we review all three together.
Coverage
A quote request does not bind, change, or cancel coverage. Campbell Insurance will confirm details in writing before any coverage action is taken.
After your auto or home liability pays its limit, the umbrella picks up the rest of a covered claim, up to the umbrella's own limit.
Many umbrellas also cover personal injury claims such as libel, slander, and false arrest. Coverage terms vary by carrier, and we walk through the exclusions with you.
Teen drivers, a pool or trampoline, a dog, rental houses, and a growing net worth all raise your exposure to a lawsuit.
Carriers
Umbrella eligibility depends on the carrier and on the home and auto policies underneath.
Questions
The Insurance Information Institute puts the first $1 million at about $150 to $300 a year nationally. Your price depends on your drivers, vehicles, properties, and the carrier.
Anyone whose savings, home equity, or future income exceed their auto and home liability limits. Households with teen drivers, rental property, a pool, or a dog face higher lawsuit risk.
Not if a lawsuit could exceed your current limits. One serious at-fault crash can produce injury claims far above a $100,000 auto limit, and a judgment can reach your wages.
Some carriers require it and some do not. We check each carrier's rules and quote the combination that keeps your coverage connected.
Ready to compare?
Start your quote online, or request follow-up from our team by phone or email.