Personal Umbrella Insurance

More Protection When the Unexpected Gets Serious.

Your home and auto policies provide important liability protection. But a serious accident or lawsuit can exceed those limits. Personal umbrella insurance adds another layer of liability protection over qualifying underlying policies.

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What Does an Umbrella Policy Do?

Think of umbrella insurance as an additional layer of liability protection. It generally sits above qualifying underlying policies such as your auto and homeowners insurance.

If a covered liability claim exceeds the applicable underlying policy limit, the umbrella policy may provide additional protection, subject to its own terms, exclusions and limits.

Simple Example

A Serious Auto Accident

Imagine you are responsible for an accident that results in a covered liability claim exceeding the liability limit on your auto policy. A properly structured umbrella policy may provide additional coverage after the applicable underlying limit is exhausted.

Liability Can Come From More Places Than You Think

Serious liability claims are not limited to catastrophic car accidents. Your household, property and activities can create exposures worth considering.

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Auto Accidents

A severe accident involving significant injuries can create liability far beyond the cost of repairing the vehicles.

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Your Property

Injuries occurring at your home or another covered property can result in substantial liability claims.

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Pools & Recreation

Pools and certain recreational activities can increase the potential severity of an accident on or away from your property.

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Your Assets

The more you have accumulated — and the more income you expect to earn — the more important liability protection can become.

Should You Consider an Umbrella Policy?

Umbrella insurance is not only for the ultra-wealthy. It may be worth reviewing whenever the liability exposure in your life is greater than the protection provided by your underlying policies.

✓ You own a home or other property.
✓ You have teenage or young drivers in your household.
✓ You own multiple vehicles.
✓ You have a pool or other higher-liability exposures.
✓ You own a rental property.
✓ You have accumulated savings, investments or other assets.
✓ You want liability limits beyond your home and auto policies.
✓ You simply want another layer of financial protection.

Building the Right Liability Program

An umbrella policy should not be looked at in isolation. The underlying home and auto policies matter too.

Review the Foundation

We can review your underlying home and auto liability limits to make sure they work with the umbrella coverage being considered.

Compare Options

As an independent agency, Briteline can evaluate available insurance markets rather than relying on only one company's umbrella product.

Protect the Big Picture

The goal is not simply adding another policy. It is building coordinated liability protection around your household and assets.

Umbrella Insurance FAQ

How much umbrella insurance should I carry?
There is no single amount that is right for everyone. Assets, income, household drivers, properties and other liability exposures can all matter. We can review those factors when discussing available limits.
Does umbrella insurance replace my auto or homeowners liability coverage?
No. An umbrella policy generally provides additional liability protection over qualifying underlying policies. Carriers typically require specified underlying liability limits.
Do I need to be wealthy to buy an umbrella policy?
No. Liability exposure is not limited to high-net-worth households. Home ownership, future income, young drivers, rental properties and other exposures can all be reasons to consider additional liability protection.
Can an umbrella policy cover my rental property?
It may be possible to include qualifying rental-property exposures, depending on the carrier, property and underlying insurance. Rental properties should be specifically disclosed when the umbrella is quoted.
Can I buy an umbrella if my home and auto are with different companies?
Sometimes. Eligibility and underlying-policy requirements vary by insurance company. We can review how your existing policies are structured and determine which available options may work.
Is umbrella insurance expensive?
Pricing depends on factors such as the number of drivers, vehicles, properties, underlying limits and the umbrella limit selected. We can compare the cost with the additional liability protection being provided.

Is Your Current Liability Protection Enough?

Let Briteline review your existing insurance and help determine whether a personal umbrella policy makes sense for your household.

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