Protect your assets
with confidence.
Affordable extra liability coverage beyond your home and auto policies—starting at just $1 million
Powered by Policybase
Fast quotes from multiple carriers • No obligation • Licensed agent support
Why umbrella insurance matters.
In our litigious society, even a single lawsuit can devastate your financial future. Umbrella insurance provides an extra layer of protection when you need it most.
Affordable
Umbrella insurance is surprisingly affordable for the significant additional liability protection it provides
Comprehensive
Covers liability beyond auto and home policies, including legal fees, judgments, and settlements worldwide
Essential
Critical protection for anyone with assets to protect—home equity, savings, investments, or high income
Peace of mind
Sleep better knowing your family and assets are protected from catastrophic claims and lawsuits
Trusted liability protection professionals.
Underlying policy requirements
- Auto liability typically $250,000/$500,000 (or $300,000 CSL)
- Homeowners personal liability typically $300,000+
- All required underlying policies must be maintained to keep umbrella coverage in force
What's covered.
Comprehensive liability protection that kicks in when your underlying policies reach their limits.
Extra liability protection
Additional coverage beyond your auto and homeowners insurance limits, protecting you from catastrophic financial loss due to major lawsuits or claims.
Legal defense coverage
Comprehensive coverage for legal fees, attorney costs, and court expenses if you're sued, even if the lawsuit is groundless.
Worldwide coverage
Protection extends globally, covering incidents that occur anywhere in the world, not just within the United States.
Family protection
Coverage extends to all family members living in your household, protecting everyone under one comprehensive umbrella policy.
When you need umbrella coverage.
Real-world scenarios where umbrella insurance protects your financial future.
Serious Auto Accident
You cause a multi-car accident with serious injuries exceeding your auto policy limits
Pool Accident
A guest is seriously injured at your pool party and sues for medical costs and lost wages
Dog Bite Incident
Your dog bites someone requiring extensive medical treatment and plastic surgery
Slip and Fall
Someone falls on your property and suffers permanent disability, filing a major lawsuit
Defamation Claim
You're sued for slander or libel with damages exceeding your homeowners policy
Teen Driver Accident
Your teenage driver causes a serious accident with injuries beyond your auto limits
What you'll need for a quote.
Have this information ready for the most accurate umbrella insurance quote.
Current Insurance Policies
- •Home insurance policy details
- •Auto insurance policy details
- •Current liability limits
- •Policy numbers and carriers
- •Watercraft or other policies
Coverage Preferences
- •Desired umbrella limit ($1M-$5M+)
- •Number of properties owned
- •Number of vehicles
- •Recreational vehicles or boats
Personal Information
- •Household members and drivers
- •Property addresses
- •Claims history (past 5 years)
- •Pets or animals owned
Risk Factors
- •Swimming pool or trampoline
- •Rental properties owned
- •Business activities from home
- •High-value assets
Get your umbrella insurance quote today.
Protect your assets with affordable liability coverage.
$1M-$5M+ options • Worldwide coverage • Legal defense included
Or call us at (504) 315-4536 to speak with a licensed agent
Choosing your coverage limit.
Select the protection level that matches your assets and risk exposure.
$1 Million
Entry-level protection for homeowners with moderate assets. Good starting point for most families.
$2-3 Million
Enhanced protection for higher net worth individuals, multiple properties, or significant assets.
$5 Million+
Maximum protection for high-income professionals, business owners, or substantial investment portfolios.
Need help determining the right coverage amount?
Talk to an AgentMultiple ways to connect.
Choose the method that works best for you
Online quote
Fast turnaround on all online submissions
Frequently asked questions.
Get answers to common umbrella insurance questions
Still have questions?
Call (504) 315-4536Loading reviews...
Coverage, limits, discounts, and eligibility vary by carrier and state. Examples are educational and not a guarantee of coverage. Review your issued policy for terms, conditions, and exclusions.
Contact Us About Umbrella Insurance
Interested in getting a quote for umbrella insurance? Fill out the form below and one of our experienced agents will contact you to discuss your needs.