Umbrella cover is genuinely valuable and it is not for everybody. An agency that recommends it to every household is selling rather than advising.
Raising your underlying limits is cheaper than an umbrella and is the right first step for most households.
Three honest tests before buying one.
Most households get more protection per dollar by moving auto liability up from the state minimum than by adding a layer on top of a thin one. An umbrella also requires qualifying underlying limits, so that step is usually necessary anyway. Done in the right order it sometimes turns out to be enough on its own.
Equity in a home, savings outside protected accounts, and future earnings. A household renting, with modest savings and no unusual activities, has a weaker case for an umbrella than one with a paid-off house or a swimming pool. Neither answer is wrong; they are different situations.
A pool, a dog with any history, a rental property, a teenage driver, a boat, hosting frequently. Any one of those raises the ceiling on a claim enough to justify a layer regardless of net worth, because the exposure is not about what you own.
Advice, including when it is no.
Usually the first and cheapest thing to fix.
Equity, savings and earnings rather than a round number.
Pools, dogs, rentals and young drivers all do.
Send your current limits. We will tell you whether an umbrella is worth it for you.
We will tell you when the answer is to fix the limits you already have.
Request a quote