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A personal umbrella policy provides extra liability coverage above the limits of underlying home, auto and watercraft policies, usually in million-dollar increments. It may also cover some claims the underlying policies exclude. Carriers require minimum underlying liability limits before they will write the umbrella.
Umbrellas are usually inexpensive relative to the protection they add, which makes them one of the most natural account-rounding conversations in personal lines. The prospects who benefit most are those with significant assets, future earnings to protect, teen drivers, pools or rental property.
An umbrella calculator is built and awaiting release. The inputs that size an umbrella are the same facts a life calculator collects, income and assets, which is why a life lead showing substantial savings is also a reasonable prompt for a liability review.
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