Personal umbrella insurance in New York

Umbrella coverage sits on top of your existing policies. Say you cause a car accident and are found liable for $800,000 in injuries. If your auto policy's liability limit is $300,000, a $1 million umbrella could pay the remaining $500,000. Umbrellas are typically sold in $1 million increments.

• Bodily injury and property damage liability above your auto, home, renters, landlord and boat policies.
• Legal defense costs, often in addition to the policy limit.
• Some claims your other policies may not cover, such as certain claims for libel, slander or false arrest, depending on the policy.
• Worldwide coverage in many policies, for incidents that happen while traveling.

• Your own injuries or property. An umbrella pays others when you're liable, not your own losses.
• Business activities. Business liability needs a commercial policy and, if needed, a commercial umbrella.
• Intentional acts and contractual liability you agreed to take on.
• Uninsured motorist protection, in most cases. Many umbrella policies don't extend SUM coverage, so review your auto SUM limits separately.

An umbrella makes sense if a lawsuit could reach more than your current limits. That includes people who:

• Own a home, savings, investments or a business.
• Have teenage drivers in the household.
• Own a pool, trampoline, dog, boat or rental property.
• Host gatherings or volunteer on nonprofit boards.
• Have higher incomes that could be targeted in a lawsuit.

Umbrella carriers require minimum limits on your underlying policies, commonly $250,000/$500,000 bodily injury on auto and $300,000 personal liability on home. Requirements vary by carrier, so we coordinate your home, auto and umbrella so there are no gaps between them.

Umbrella pricing and eligibility vary by carrier, and some companies require your home and auto to be placed with them. We compare options across carriers and line up your underlying policies so the whole package works together.