Umbrella Insurance your policies have caps — jury verdicts don't
Your auto policy covers $300,000. Your homeowners covers $300,000 in personal liability. The average jury award in personal injury cases was $1,479,368 in 2020 — and bodily injury claims have risen 66% in severity since 2015. That gap between your policy limit and a verdict is your personal financial exposure. A $1M umbrella policy costs about $150/year and closes it completely.
Does any of this sound familiar?
Teenagers on your auto policy — the highest single risk factor
Swimming pool or trampoline on your property
The Math Is Simple: $300K Limit vs. $1.4M Average Verdict
The median jury award in personal injury cases is $100,000 — well within your policy limits. But the cases that go to trial average $1,479,368, with the mean reaching $2,448,978 in 2020 (Insurance Information Institute). Auto bodily injury claims have risen 66% in severity since 2015, from $17,014 to $28,278 on average — and litigated cases go much higher. A $1M umbrella costs $150/year and covers everything between your policy cap and a judgment against you.
Teenagers Driving, Pools, Dogs, and Parties — Your Four Biggest Exposures
A serious accident caused by your teenage driver can easily exceed $300K in damages. A pool injury falls under "attractive nuisance" doctrine — you can be liable even if the child wasn't invited. Dog bites trigger strict liability in most states regardless of the animal's history. And in 43 states, social host liability means you can be sued if a guest drinks at your home and causes an accident afterward. Each of these individually can exhaust your standard policy limits.
Umbrella Also Covers What Your Other Policies Don't Touch
Standard auto and homeowners policies don't cover defamation, libel, slander, or invasion of privacy — including what you post on social media. Umbrella does. It also provides worldwide coverage (not just in the US), covers legal defense costs even if you're not found liable, and extends to incidents involving rental properties, boats, and ATVs when added to the policy.
What's covered?
Subject to policy terms and conditions.
This is how it works
Verify your underlying coverage meets minimum requirements
Umbrella requires auto liability of at least $250K–$300K per person and homeowners personal liability of $300K. If your current policies are below that, we adjust them first — which often costs less than you'd expect.
Set your limit based on your total asset exposure
Add up your home equity, retirement accounts, savings, and annual income. Your umbrella limit should cover your total net worth. Most households need $1M–$2M. We show you exactly why before you decide.
Coverage activates automatically — no extra steps at claim time
When a claim exceeds your underlying policy, umbrella kicks in automatically. Your insurance company handles coordination between policies. You don't manage anything.
Verify your underlying coverage meets minimum requirements
Umbrella requires auto liability of at least $250K–$300K per person and homeowners personal liability of $300K. If your current policies are below that, we adjust them first — which often costs less than you'd expect.
Set your limit based on your total asset exposure
Add up your home equity, retirement accounts, savings, and annual income. Your umbrella limit should cover your total net worth. Most households need $1M–$2M. We show you exactly why before you decide.
Coverage activates automatically — no extra steps at claim time
When a claim exceeds your underlying policy, umbrella kicks in automatically. Your insurance company handles coordination between policies. You don't manage anything.
Ready to get started? Takes under 5 minutes.
From $150/yr · No commitment · No credit check
What our clients say
“My 18-year-old caused a serious accident. Damages came in at $680,000. My auto policy covered $300,000. The umbrella covered the remaining $380,000. Without it, that verdict would have attached to my home and retirement accounts. $150 a year was the best money I've ever spent.”
Mike T.
Denver, Colorado
“A neighbor's kid got into our pool while we weren't home and had to be hospitalized. We were sued for $450,000. Our homeowners covered $300,000 — the umbrella covered the other $150,000 and all legal fees. I didn't even know what social host liability was before this.”
Karen S.
Austin, Texas
“My financial advisor told me I was underprotected. I had $800K in home equity and retirement savings and only $300K in liability coverage. Added a $2M umbrella for $280/year. That's 35 cents a day to protect assets I spent 25 years building.”
James R.
Charlotte, North Carolina
Join over 200 families already protected.
From $150/yr · No commitment
Frequently asked questions
Close the gap between your policy and a verdict
From $150/yr. $1M–$5M coverage. Legal defense included. Worldwide.
Free · No commitment · Response within 24 hours