Who typically needs this
- People with significant assets or future earnings
- Households with teenage drivers, pools, or frequent guests
- Anyone concerned about lawsuit exposure above primary limits
Individuals & Families
Umbrella Insurance
Personal umbrella insurance can provide additional liability limits after underlying auto or homeowners coverage is exhausted. Coverivo helps you evaluate whether higher limits may be appropriate for your assets and risk profile.
Common coverages
- Excess liability over auto and home policies, subject to terms
- Coverage for certain personal injury claims depending on the form
Things to consider
- Underlying auto and home limits usually must meet carrier minimums
- Umbrella is not a replacement for primary coverage
Questions people ask
Do I need umbrella insurance?
It depends on your assets, lifestyle, and current liability limits. Coverivo AI can help you think through the question; a licensed advisor should review your situation.
Coverivo is an independent insurance broker, not an insurance carrier. Coverivo is staffed by licensed insurance professionals who help you evaluate and request coverage from applicable markets. We do not underwrite or issue insurance policies. Insurance products and availability vary by state and insurance company. Coverage is subject to underwriting, eligibility requirements, policy terms, exclusions, and carrier approval.