$1M+ Extra Liability for ~$150/year

Umbrella insurance is one of the best values in insurance — typically $150-400/year for $1 million in extra coverage. Additional millions cost even less per increment.

If you have assets to protect (home equity, savings, investments) or could be sued (you drive, own property, host guests), umbrella insurance is worth considering. One serious accident can exceed your standard policy limits.

A good rule of thumb is to have enough umbrella coverage to protect your total net worth. Most people start with $1-2 million, which is surprisingly affordable.

Yes! Umbrella insurance typically covers you, your spouse, and dependent children living in your household — protecting the whole family from liability claims.