Personal Umbrella Insurance

What is a Personal Umbrella Policy?

A personal umbrella insurance policy provides an extra layer of liability protection above the limits of your car and home insurance policies, and can also go over rental properties, seasonal homes, and boats you own. If you own a business or commercial properties, this policy would not apply to those exposures. You would need to consider purchasing a separate commercial umbrella policy for that coverage.

The personal umbrella policy covers damages that you, your dependents, or your pets cause to others, and it takes effect once claims exceed your home or auto insurance liability limits (depending on the type of claim).


You cause a car accident and the person you hit is injured badly, and sues you for $500,000. Your auto insurance liability limit is $250,000. Your car insurance policy would pay up to the $250,000 limit, and then your umbrella policy would protect you for the additional costs incurred, up to the limit of your umbrella policy. Without this umbrella coverage, your personal assets and future earnings would be at risk.

To be eligible for an umbrella policy, the insurance company will require you maintain certain liability limits on the underlying home and auto insurance policies, so you may need to increase those coverage limits first.

Do I need a Personal Umbrella insurance policy?

Factors that may increase your need for a personal umbrella policy are listed below.

  1. Vacant Land Ownership

  2. Pools, Hot Tubs, & Trampolines

  3. Client Visits at Home Office

  4. Home Renovation

  5. Teenage Drivers and/or High Performance Cars

  6. Pets

  7. Volunteer Work - Board of Directors Participation

  8. Chaperoning Kids’ Events

  9. Tenants in Your Rental Properties

  10. Toys such as ATVs, Jet Skis, Boats

  11. Social Media

  12. Prominent Public Profile

  13. Entertaining / Parties

Ask English!



Kristie English, M.Ed.

Principal / Agent

I don’t own a house, and don’t have much of value for anyone to sue me for, so why do I need an umbrella policy?



If you severely injure someone in a car accident, it’s quite possible they will consider garnishing your current and future wages as a means of paying for the damages. If you don’t have an umbrella policy now, at least consider increasing your auto liability limits to help protect yourself. Accidents do happen, even to the good drivers.


We're here to help you understand the best options for your personal umbrella.


Call us at (833) BIG-TREE / (425) 673-7948, or use our online form to request a quote.


▹ Adult Family Homes

▹ Apartment Buildings

▹ Assisted Living

▹ Auto Repair Shops

▹ Bars and Taverns

▹ Bed and Breakfasts

▹ Breweries & Wineries

▹ Consultants

▹ Contractors

▹ Convenience Stores

▹ Gas Stations

▹ Hotels and Motels

▹ Manufacturers

▹ Nonprofits

▹ Property Management

▹ Private Schools

▹ Restaurants

▹ Bonds

▹ Business Owners Policy

▹ Business Interruption

▹ Business Property

▹ Commercial Auto

▹ Commercial Crime

▹ Commercial Liability

▹ Cyber Liability

▹ Directors & Officers

▹ Earthquake

▹ Employment Practices

▹ Extra Expense

▹ Flood

▹ Group Medical

▹ In-Home Business

▹ Inland Marine

▹ Professional Liability

▹ Workers Compensation

▹ Auto

▹ Boat / Watercraft

▹ Classic Cars

▹ Condos / Townhomes

▹ Earthquake

▹ Flood

▹ Health

▹ Homeowners

▹ Life

▹ Longterm Care

▹ Medical Travel / Trip

▹ Motorcycles

▹ Recreational Vehicles

▹ Renters

▹ Umbrella Policy


This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.

© Copyright 2021 English Insurance Group, LLC. All Rights Reserved.