Get extra liability protection above your auto and home policies. Compare top umbrella insurance providers and find the right coverage for your assets.
Get Umbrella Quote →Umbrella insurance provides an extra layer of liability coverage above and beyond your home and auto insurance limits. If you're sued for $1 million but your auto policy only covers $300,000, umbrella insurance pays the remaining $700,000. It also covers situations your other policies don't — libel, slander, false arrest, and liability on rental properties.
For roughly $150–$300 a year, umbrella coverage is widely considered one of the best-value insurance products available — a relatively small premium that can protect your entire net worth in the event of a serious lawsuit. This page covers the essentials; our full guides below dig deeper into cost, coverage limits, and how umbrella compares to related products like excess liability.
| Company | Coverage | Annual Cost | Rating |
|---|---|---|---|
| Umbrella — USAA | $1M–$5M | $150–$250 | ⭐ 4.9/5 (military only) |
| Amica Mutual | $1M–$5M | $160–$280 | ⭐ 4.8/5 |
| State Farm | $1M–$5M | $150–$300 | ⭐ 4.7/5 |
| Allstate | $1M–$5M | $170–$320 | ⭐ 4.5/5 |
| Erie Insurance | $1M–$5M | $145–$270 | ⭐ 4.7/5 (regional) |
A common starting point is to carry umbrella coverage at least equal to your net worth — including home equity, savings, and investments. Most people start with $1 million and increase from there if they own rental property, have a teenage driver, or face elevated liability exposure through their profession or lifestyle. Since additional coverage is inexpensive (often just $50–$75 more per year per additional million), many advisors recommend erring toward a higher limit rather than the bare minimum.
Everything you need to make a confident decision
Get extra liability protection above your auto and home policies. Compare top umbrella insurance providers and find the right coverage for your assets.
Get Umbrella Quote — Free →