Umbrella Insurance

Go beyond the limits of regular insurance with umbrella coverage from Progressive

You’ve heard the term and know it’s important, but you still may be asking: What is umbrella insurance? Personal umbrella coverage exists to protect you and your family when you’ve exceeded the limits on your auto and/or homeowners policy. Your assets, home equity, retirement savings and more could be at risk from legal liability claims without the right level of coverage. You can choose up to $5 million in added liability protection on your umbrella policy—safeguarding the lifestyle you've worked hard for.

What does umbrella insurance cover?

An umbrella insurance policy extends well beyond your home and auto insurance. You’ll have the flexibility to select a liability limit that best protects your assets, all the way up to $5 million. You may also be covered for the following:

• Personal injury coverage: for claims of libel, slander, defamation of character and more
• Worldwide coverage: for incidents that happen abroad
• Vacation rental liability: protection for accidents involving boats, jet skis, scooters and other rentals
• Defense coverage: for legal fees and court costs

Avoid paying out of pocket if you’re liable on a large claim

Consider this scenario: You're sued for $1 million after an auto accident or an incident on your home or property. However, your insurance only covers up to $500,000 in damages (which is often the highest amount of liability insurance available for standard home and auto insurance). Your umbrella policy will cover the remaining $500,000 you're responsible for.

Who needs umbrella coverage?

Progressive's personal umbrella insurance isn't just for the wealthy. It's for everyone. That's why we offer comprehensive and affordable protection. Regardless of the car you drive or if you’re a homeowner, condo owner or renter, you could be vulnerable to legal action and large judgments. You’ll also want extra protection if you have an ATV, RV, boat, or motorcycle.

You can buy a personal umbrella policy directly through Progressive anywhere in the United States except Alaska, Arkansas, Hawaii, Montana, New Hampshire, Rhode Island, West Virginia and Wyoming.