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Umbrella insurance quotes

You could get umbrella insurance for about $2 per day1

Call us at 888-498-2145 to start your umbrella insurance quote

What is umbrella insurance?

Umbrella insurance, often called personal liability insurance, gives you extra protection on top of your home and auto policies. These policies kick in when your home or auto limits aren't enough.

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When you insure both (car, home, rental properties, motorcycle, and umbrella) with Liberty Mutual, you qualify for comprehensive protection and additional savings.2

How personal liability insurance works

Personal liability insurance is easier to explain with an example. Let's say you have an auto and umbrella insurance policy with Liberty Mutual. You have limits of
  • Auto Liability: $250,000 per person and a total of $500,000 per accident
  • Umbrella: $1 million
So instead of only having a liability limit of $250,000 per person, with an umbrella policy you'd have $1.25 million. Broken down, that's
  • $250,000 auto liability
  • + $1 million umbrella
  • = $1.25 million of liability coverage
Next, let's pretend that you or a driver on your policy are in an accident and found at fault. Due to the accident, the other driver has a claim of $800,000 for injuries. Your policies would pay out as such
  • Auto policy: Covers the first $250,000 (per person limit)
  • Umbrella policy: Pays the remaining $550,000
Now, let's say the same thing happened without personal liability umbrella coverage. Your auto policy would pay $250,000. The remaining $550,000 could then be left up to you to pay out of pocket.

What does an umbrella liability insurance policy cover?

Umbrella liability insurance covers

  • Extra liability coverage over the limits of the auto, home, watercraft, or RV policy
  • Family members living in your household3
  • Worldwide coverage
  • Rental properties you own
  • Personal injury if you're sued for
    • Libel or slander
    • False arrest
    • Malicious prosecution
    • Violation of right of privacy
    • Wrongful eviction
    • Wrongful entry
  • Payment of defense costs, attorney fees, and other expenses associated with a lawsuit (defense cost coverage is in addition to policy limits)

Umbrella liability typically does not cover

  • Malpractice Lawsuits
  • Workers Compensation
  • Business pursuits
  • Damage intentionally caused by any insured

See how much you could save when you customize your insurance so you only pay for what you need. Call 888-498-2145 to start your quote.

Do I need umbrella insurance?

Umbrella insurance is right for anyone looking to protect their personal and financial well-being. A slip and fall on your property, a bad car accident, or even a defamation lawsuit are all things that can jeopardize your assets. Umbrella coverage can protect you in the following cases
  • Malicious prosecution
  • Libel or slander
  • False arrest
  • Violation of privacy
  • Wrongful eviction
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How to compare umbrella insurance companies

When comparing umbrella insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best umbrella insurance or the cheapest umbrella insurance. That's because most umbrella policies cover
  • Additional liability (over the limits of your vehicle and home policies)
  • $1 million in coverage, with higher limits available
  • Coverage for those in your household3
  • Worldwide protection

Tips for comparing umbrella insurance quotes

  • Compare coverages and make sure the options meet your needs
  • Choose the same deductibles because they can affect your quote prices
When comparing umbrella personal liability insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make personal liability insurance easy. Our fast and easy quotes let you customize coverages, so you only pay for what you need.You'll also get our free and easy to use mobile app that lets you manage your policy and update preferences.These are just a few ways Liberty Mutual helps make umbrella insurance easy.Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance.

How much is umbrella insurance?

With Liberty Mutual, you can customize your umbrella policy, so you only pay for what you need.

Generally, the less risk you have the lower your price may be. It all depends on your needs. Keep in mind that you can lower the cost of your premium by increasing your deductible if you prefer.

Ready to start an umbrella quote?

Get a quote in minutes. Here's what you'll need:
  • Basic information about your vehicles and property
  • Basic information about you, any co-owners, and occupants
  • Ownership or mortgage status

Umbrella insurance frequently asked questions

How much umbrella insurance coverage do I need?

There's no set amount of umbrella coverage you should have as everyone's different. A good place to start is figuring out what property you have and it's value. For example you could list out your
  • House
  • Vehicles
  • Jewelry
  • Baseball card, stamp, or other collection, etc.
After you itemize your valuables, you can get a better idea about how much coverage you may need. If you live with other family members, you'll want to consider their belongings too.

Who does an umbrella policy cover?

Umbrella insurance covers you and your family members in your home. It can also cover injury to others or damage to their property.

Should renters get an umbrella insurance policy?

Whether you have a home or not, you may benefit from umbrella insurance. Like with homeowners, a good place to start is figuring out what property you have and it's value.
For example, you could list out your

  • Vehicles
  • Jewelry
  • Baseball, stamp, or other collection, etc.
After you itemize your valuables, you can get a better idea about how much coverage you may need.

Ready for a quote? Call: 888-498-2145

Want to learn more about insurance? We can help

Property insurance 101
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1Rates vary. Applicants individually underwritten. Your home or boat policy does not have to with Liberty Mutual, but minimum liability limits are required.
2Not available in AK, CA, HI, MT, SD, WA. Discounts and savings available where state laws and regulations allow. Restrictions apply.
3"Residents" of your household is defined in your policy. Please contact us for details.
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