General Concepts
Umbrella Policy
Excess personal liability coverage above auto/home/boat limits — starts at $1M for $150–$400/year.
Last reviewed: May 2026 · Editorial methodology
Definition
A personal liability policy that provides additional coverage above and beyond the limits of your auto, home, or boat insurance. Umbrella policies typically start at $1 million in coverage and cost $150–$300 per year for the first million. They protect against large lawsuits that exceed your underlying policy limits and are essential for households with significant assets, teen drivers, pools, or trampolines.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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