Affordable Personal Umbrella Insurance Quotes

Protecting your assets

What coverages can I get under Personal Umbrella Insurance?

Personal umbrella insurance is a financial safety net, extending the liability protection of your primary home and auto policies to shield your life savings from catastrophic lawsuits.

Bodily Injury Liability

Covers exorbitant medical bills, rehabilitation costs, and legal judgments if you cause a severe accident that injures others, kicking in exactly where your primary auto or home limits stop.

Property Damage Liability

Extends coverage for massive property damage caused by you, your family, or your vehicles—such as destroying an expensive structure or causing a multi-car pileup.

Personal Injury & Defamation

Offers crucial coverage for non-physical personal injury claims that are often excluded from standard policies, including lawsuits for slander, libel, false arrest, or malicious prosecution.

Landlord Liability

Extends liability protection for property owners renting to tenants, covering massive lawsuits if a tenant or their guest sustains a severe injury on your rental property.

Watercraft & RV Liability

Provides high-limit liability coverage for accidents involving your personal boat, jet ski, or recreational vehicle, protecting against injury and property damage claims on land or water.

Worldwide Coverage

Unlike some standard auto or homeowners policies that restrict coverage to the United States, a personal umbrella policy often protects you against liability claims while traveling abroad.

Why Orbit

Why Orbit is the best choice for Personal Umbrella?

Cost-Effective Limits

Buying a personal umbrella is the cheapest way to secure $1 million to $5 million in liability coverage. We shop the market to find you the lowest premium for the highest protection.

Seamless Bundling

We coordinate your umbrella policy with your existing auto and homeowners insurance, ensuring there are no coverage gaps and maximizing your multi-policy discounts.

Protection for Every Lifestyle

Whether you have teenage drivers, own a swimming pool, host frequent parties, or own multiple rental properties, we find the right umbrella to cover your specific personal risks.

Expert Guidance

Calculating your required limits can be complicated. Our licensed agents help you evaluate your net worth, future income, and assets to determine the exact amount of coverage you need.

Talk to a personal insurance expert today

An Orbit agent is ready to help you analyze your personal liability exposure and build a protective financial umbrella over your life savings.

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The basics

What is Personal Umbrella Insurance?

The best way to understand personal umbrella insurance is to think of a literal umbrella that shields you when a severe storm hits. This coverage acts as a financial safety net that sits on top of your existing primary policies, such as your homeowners, renters, or auto insurance.

If you are found legally liable for an accident—like a severe multi-car collision or a devastating injury on your property—your primary insurance pays up to its limit. But what happens if the judge awards the victim $1.5 million, and your auto insurance limit is only $500,000? Without an umbrella policy, your home, your savings, and your future wages could be seized to pay the remaining $1 million. A personal umbrella policy steps in the moment your primary limits are exhausted, paying the remaining balance and protecting your financial future.

Factors That Impact Your Rates

Coverage Limits: Personal umbrella policies are sold in increments of $1 million. The higher the limit you choose to protect your net worth, the higher the premium.
Underlying Policies: Insurance companies require you to carry significant liability limits on your primary auto and home policies (e.g., $250k/$500k for auto) before an umbrella policy can be issued.
Household Risk Factors: Having inexperienced teenage drivers, a swimming pool, trampolines, or certain breeds of dogs will increase your liability risk and, consequently, your premium.
Number of Vehicles & Properties: Insuring multiple cars, boats, RVs, and secondary or rental homes increases your exposure to potential lawsuits.

Good to know

Frequently asked questions & Requirements

A standard financial guideline is to purchase enough umbrella insurance to match or slightly exceed your total net worth. This includes the equity in your home, your retirement savings, investment accounts, and future earning potential. Policies typically start at $1 million and can be increased up to $5 million or more.

Generally, no. Personal umbrella insurance is considered a personal expense and cannot be deducted on your taxes. The exception is if a portion of the umbrella policy specifically covers a rental property you own as a business investment; you may be able to deduct that specific portion. Consult a tax professional for guidance.

While it is legally possible, it is highly discouraged. Having two overlapping umbrella policies complicates the claims process significantly, as carriers will dispute who pays first. It is far more efficient and cost-effective to carry a single umbrella policy with a higher coverage limit.

Personal umbrella insurance is surprisingly affordable because the underlying policies absorb the initial impact of a claim. The average cost is typically between $200 and $400 a year for the first $1 million in coverage, with additional millions costing even less.

To generate an accurate personal umbrella quote, we will need:

Current Policies: The declaration pages of your existing auto, homeowners, renters, or watercraft policies to verify your primary liability limits.
Asset Information: An estimate of your total net worth to determine the appropriate limit size.
Household Data: The number of drivers in your home (especially teenagers) and their driving records.
Risk Factors: Details on attractive nuisances like swimming pools, trampolines, or specific dog breeds.

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