When Your Home and Auto Limits Aren’t Enough
Your auto and home insurance policies have liability limits. If a serious accident or lawsuit generates claims beyond those limits, you could be personally responsible for the difference — out of your savings, assets, and even future earnings.
A personal umbrella policy provides an additional layer of liability protection that kicks in when your primary coverage runs out.
Quick Fact
A $1 million personal umbrella policy typically costs $150–$300/year — often less than $1/day. It sits on top of your existing auto and home policies, and most people who file large liability claims never expected to need one.
When Would You Need an Umbrella Policy?
Bodily Injury Scenarios
- A guest is seriously injured at a garage sale at your home and sues for medical costs exceeding your homeowners liability limit
- Your dog bites someone, causing injuries that result in significant medical expenses and a lawsuit
- You’re at fault in a major car accident where the other party’s injuries far exceed your auto policy’s liability limits
Property Damage Scenarios
- A vehicle accident results in damage to multiple vehicles or structures that exceeds your auto policy limit
What Does a Personal Umbrella Cover?
- Excess liability above your auto insurance limits
- Excess liability above your homeowners insurance limits
- Liability for incidents involving rental properties (if applicable)
- Legal defense costs
Most umbrella policies provide $1 million or more in additional coverage — often at a surprisingly affordable annual premium.
Get a Free Quote
Call (206) 402-6793 or fill out the form to see how affordable an umbrella policy can be.
Frequently Asked Questions
What is an independent insurance agent?
An independent insurance agent works with multiple insurance carriers — not just one. That means we can shop the market on your behalf and find the coverage that best fits your needs and budget, rather than being limited to a single company’s products.
How much does it cost to get a quote?
Nothing — quotes are always free and there is no obligation. Because SafeInsure is an independent agency, we shop your coverage across multiple top-rated carriers and bring you the options that fit your needs and budget. You can request a free quote online or call us at (206) 402-6793.
Do you speak Vietnamese?
Yes. SafeInsure is a woman-owned agency that serves the Seattle and Washington community in both English and Vietnamese, so you can review your coverage and ask questions in the language you are most comfortable with.