Personal Umbrella (AL, AZ, CO, IL, IN, OH, MO, MS, SD, TN, TX, WI)

You know that feeling you get when it’s raining and you remember you have an umbrella? Just knowing it’s there provides extra peace of mind.

  • Minimum underlying limit requirements are 250/500 split limit, or 
  • $300,000 combined single limit for auto personal liability; $300,000 for homeowners personal liability
  • Must meet the minimum required limits on your underlying Auto and Homeowners policies


  • Earn a Multi-Policy discount on your Umbrella policy when you write your Auto, Homeowners, Farm and Ranch, or Commercial (other than Auto) policies with us
  • Coverage for additional liability exposures such as incidental offices, home day care, business pursuits, and rental or farm property may be written

Tips for talking with your agent

  • Your agent will help you review your home and auto policies to determine what additional coverage you may need.
  • Give some thought to your potential risk of being sued if the worst happens.
  • Take stock of your ability to face a lawsuit financially.