An umbrella policy sounds exotic and expensive. It's neither. It's the cheapest way to add $1M to $5M of liability protection on top of your auto, home, and boat coverage, and one of the most underutilized products in personal insurance.

Umbrella is one of the most cost effective coverages we write. We evaluate the full stack (auto, home, rental, watercraft, RV) before quoting an umbrella so the underlying limits are solid.

What an Umbrella Policy Does

An umbrella policy kicks in after your underlying auto or home liability is exhausted, providing an extra $1M to $10M of liability capacity. It also expands coverage in areas your base policies don't touch:

• Excess liability on top of auto and home limits

• Libel, slander, and defamation claims

• False arrest and wrongful detention

• Worldwide coverage for many liability scenarios

When You'd Actually Use It

Real world scenarios where an umbrella earns its premium many times over:

• At fault multi car crash with serious injuries, auto liability of $300K maxes out fast on ER bills

• Dog bite with permanent injury or disfigurement

• Pool or trampoline accident at your home

• Teen driver causing a major crash

• Rental property tenant injury

• Defamation lawsuit over a social media post

• Delivery driver injuring themselves on your property

One lawsuit can exhaust your savings. $1M in umbrella coverage usually costs less than $25 a month. Get a free umbrella quote in under 10 minutes.

The Underlying Limit Requirement

Umbrella carriers don't sit on top of nothing. They require base limits first, usually 250/500/100 on auto and $300,000 liability on homeowners. You can't buy a $1M umbrella with state minimum auto; the insurer will either decline or require you to raise base limits. Buying an umbrella usually means slight adjustments to base policies, which is often where we start.

How Much Does It Actually Cost?

The first $1M typically runs $150 to $350 per year. Each additional $1M often adds just $50 to $100 per year. That makes umbrella cheaper per dollar of protection than any other liability product on the market. Pricing depends on number of drivers, vehicles, homes, pools, rental properties, and dog breed.

Don't underestimate the gap: State minimum auto liability of 25/50/25 runs out after one ER visit. Umbrella turns that single accident cliff into a multi million dollar backstop for roughly the cost of a monthly coffee subscription.

Who Really Needs It

Higher-risk profiles

• Teen drivers on the policy

• Pool or trampoline owners

• Rental property owners

• Boat or RV owners

Higher-net-worth profiles

Anyone with assets or future earnings above their base liability limits. A doctor, lawyer, or business owner with $500K+ in net worth is a lawsuit target, and state minimum auto liability isn't close to enough.

Real example: A 40 year old with a home, two cars, and a teen driver typically pays $200 to $300 per year for $1M of umbrella coverage. That's $20/month for protection an at fault crash or dog bite lawsuit can exhaust your savings without.

Have a teen driver, pool, rental property, or net worth over $500K? You're a textbook umbrella candidate. Talk to a OnePoint advisor or call 888-899-8117 for a quick quote.

Frequently Asked Questions

Does umbrella cover business activities?

Personal umbrella generally excludes business activities, including home based businesses. Business operations need a commercial general liability or commercial umbrella policy.

Is my rental property covered?

Most carriers require you to disclose rental properties and may charge extra; the property must usually have its own landlord policy with required minimum limits.

Does it cover my teenage driver?

Yes, if they're a listed driver on your underlying auto policy.

Will it cover intentional acts?

No. Umbrella (like all liability policies) excludes intentional or criminal acts. It's for negligence, not malice.

Can I buy an umbrella from a different company than my auto/home?

Yes, but bundling typically saves 10 to 20% and simplifies claims.

How OnePoint Can Help

As an independent agency, we look at every policy you already own (auto, home, rental, watercraft, RV), confirm the underlying limits meet umbrella requirements, then shop $1M to $5M of umbrella coverage across multiple carriers.

Want to see what your rate could be? Get a free umbrella quote, or talk to a licensed advisor and we'll walk through it together.

Protect the gap

A million in liability coverage for less than $25 a month.

Auto and home liability limits weren't designed for the size of today's lawsuits and medical bills. An umbrella policy is the rare insurance product that's both cheap and genuinely protective. A OnePoint advisor can quote you in one call.

Get a Free Umbrella Quote | Call 888-899-8117