Insurance
Umbrella

Umbrella

An extra layer of protection for everything you’ve built

A single accident can turn into a multi-million-dollar lawsuit. Umbrella, or excess liability, insurance extends the liability limits of your personal or commercial insurance, covering the difference when damages exceed the limits of your existing policies.

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Coverages

Required coverages vary by state.

Provides additional liability coverage when injuries or property damage from an auto accident exceed your auto policy’s limits.
Provides added protection for incidents involving your home or condo, such as a fire spreading to other units or your dog biting a child in the neighborhood.
Extends protection to certain incidents involving properties you rent out to others.
For special situations where you can’t purchase umbrella coverage through the same insurer as your other policies.

See where the risk lies

Choose an insurance, explore the scene, and click on the highlighted points. Each point reveals a real-world risk factor and the coverage that addresses it.

01
Choose the insurance

Use the list to switch scenes.

02
Click on the numbers

Hotspots mark risk situations.

03
Read the coverage

Risk and solution side by side.

    How it works

    From quote to policy in three steps
    01
    Tell us about your situation

    What you want to protect, who needs coverage, and your history.

    02
    We compare insurers

    We show prices and coverages side by side, and explain the differences.

    03
    You end with an active policy.

    We handle the paperwork, and you receive the documents via email.

    FAQ

    Imagine you cause an accident involving a luxury Porsche and the damages total $750,000, but your auto insurance only covers $300,000. Without umbrella coverage, you could have to pay the remaining $450,000 out of pocket. Umbrella coverage protects you in these situations.
    Personal umbrella insurance typically costs about $150–$300 per year for $1 million in additional liability coverage. Pricing depends on your profile and the risks covered. Commercial umbrella insurance generally costs more, depending on the business type, risk level, coverage limits, and existing policies. Contact us for a personalized quote.
    In most cases, yes, especially for an auto policy. Standalone policies may be available in special circumstances.
    No. Business risks require commercial insurance, such as General Liability and Commercial Umbrella. Lumio can help you with those policies as well.
    Licensed

    We know the requirements of each state we operate.

    Independent

    We get quotes from various insurance companies and compare them for you.

    In your language

    Support from the initial contact through to renewal.

    Other products

    • Personal

    Renters

    Renting? Your belongings also deserve protection
    • Personal

    Boat

    Enjoy your time on the water with peace of mind
    • Personal

    Homeowners

    You built it. We protect it.
    • Personal

    Auto

    Protection for your car and everyone inside

    Find out how much your insurance costs

    Free quote, no obligation, with a response within 1 business day.

    Get a free quote
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