Gordon Insurance Research Center

Umbrella (Excess Liability) Insurance

An excess liability policy provides $1,000,000 increments of liability protection for you and your resident family (or your business, if it's a commercial excess policy).

If you should be the subject of a major lawsuit, the umbrella policy will provide additional defense and protection for judgments once your primary, or underlying liability limits have been exhausted.

Limits begin at $1,000,000, but higher amounts are available for two million, five, ten, and higher for some people. Talk to us about your needs.

The "underlying limits" shown below refer to levels of coverage required of your existing (personal) policies, before an umbrella takes over the defense expenses or judgments.

In addition, since many umbrella policies provide broader coverage than your primary policies, they may cover gaps that exist in your primary policies, subject to a small retention (corridor, similar to a deductible), usually $500 or $1,000.



Underlying required:
Bodily Injury limits $250,000 / 500,000;
Property damage at $100,000              


Underlying required:


Underlying required:
$300,000 by most carriers. If you have a second home, both must have underlying insurance. 


The cost of an umbrella policy generally ranges between $150 and $250 per year for first $1,000,000, depending on your personal situation.


More Umbrella Info

An umbrella policy provides more liability coverage than your home and auto policies provide.

Home & auto insurance both offer liability coverage to protect you against lawsuits.

  • f a guest is at your house and is terribly injured through your negligence, chances are you will be sued for damages. Your homeowners policy (Part E. Personal Liability) will typically cover you up to $300,000 or $500,000. If you are sued for more than your coverage, you will be personally responsible for the difference.
  • If you are involved in an auto accident and injure three people, your auto policy (Part 5. Optional Bodily Injury to Others) will typically cover each person up to $100,000, or the entire accident up to $300,000. If the injuries add up to more than $300,000 in costs, you will be personally responsible for the difference.

Umbrella policies vary in price depending on how many homes you own, how many cars you own, how many drivers in your household, how many youthful drivers, etc. The price can be as low as $150 and the umbrella policy is added to your homeowners policy.

If you own a second home, a business, or any rental properties, then it is essentially important that you have an umbrella policy.  Lawsuits are on the rise in the United States, and so aren’t your odds of being named a defendant.  It is wise to protect yourself with an umbrella policy.



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