Personal Umbrella Insurance — Extra Liability Protection
$1 million or more in additional liability protection — usually under $25/month.
Lawsuits don't stop at your auto or home liability limit. An umbrella policy adds an extra $1M, $2M, or $5M of liability protection on top of your existing policies — and it's one of the cheapest products in insurance. Most of our Ohio and Pennsylvania clients pay $180–$350 a year for a $1M umbrella.
What Umbrella Insurance Covers
Core coverage components we'll review and tailor on your quote.
Excess Bodily Injury & Property Damage
Pays after your underlying auto or home liability is exhausted — anywhere in the world.
Personal Injury
Covers claims like libel, slander, false arrest, and invasion of privacy that base policies often exclude.
Legal Defense Costs
Usually IN ADDITION to the policy limit. A long defense can cost $100K+ even on claims you win.
Some Landlord Liability
Extends to small rental-property exposures (varies by carrier).
Optional Add-Ons Worth Considering
- Higher limits — $2M, $3M, $5M, $10M
- Worldwide coverage
- Uninsured/underinsured motorist umbrella (UM/UIM excess)
Common Exclusions (What's Usually NOT Covered)
Knowing what your policy doesn't cover is just as important.
- Intentional acts and criminal behavior
- Business-related liability (need commercial umbrella)
- Damage to your own property
- Punitive damages in some states
Who Really Needs This Coverage
- Homeowners with $500K+ in equity, savings, or retirement
- Households with teen drivers
- Dog owners, pool/trampoline owners, ATV owners
- Landlords, coaches, board members, high-income earners
What Drives Your Premium
Underlying policy limits
Carriers require minimum auto (250/500/100) and home ($300K) liability before they'll write umbrella.
Drivers in household
More drivers (especially under 25) = higher premium.
Risk factors
Trampolines, certain dog breeds, boats, and rental properties affect pricing.
Bundling
Writing umbrella with the same carrier as your auto/home unlocks significant discounts.
Frequently Asked Questions
Quick answers about umbrella insurance in Ohio and Pennsylvania.
Related Insights from Our Blog
Plain-English guides relevant to umbrella insurance.
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