What is Umbrella Insurance?

Umbrella insurance offers added protection from personal liability claims that goes above and beyond your existing coverage. A personal Umbrella policy provides an additional layer of liability limits that sits on top of your auto and home policies. It also provides coverage for some types of claims not covered by many auto and home policies, such as worldwide coverage and coverage for defamation and wrongful eviction.


Personal injury lawsuits are becoming more common every year. If the unexpected should happen – a car accident that results in injuries, for example – and you are held liable, you could face hundreds of thousands of dollars or more in damages.

If the liability limits of your underlying policy are not enough to cover the cost of those damages , you could risk losing your assets or having a portion of your future earnings withheld to help pay those costs. A Personal Umbrella policy extends your liability coverage, giving you better financial protection against such claims.

Yes it does. However, there is a liability limit on your policy. This means that Farmers will pay up to your liability limit to cover the cost of damages and injuries. Anything over that amount becomes your responsibility. With liability limits of at least $100,000/$300,000 on your auto policy, you can purchase a Personal Umbrella policy to extend your liability Limits by an additional $1 million to $5 million.
No. One Umbrella policy can cover your home and auto needs. It can even cover a second home, boat, or RV. And, even if your current homeowners or renters policy is not with Farmers, your Personal Umbrella policy will offer liability protection for covered claims in your home or on your property.
Personal Umbrella policies are incredibly affordable. Once you meet the initial eligibility requirements, including liability limits of $100,000/$300,000 on your current auto policy, premiums can cost as little as $1 a day.
We’d love to help you better understand the exact ways in which an Umbrella policy can help you protect your financial future.
Contact one of our agents at the Uram Agency, and we will help you assess if you qualify for this coverage. Together, we’ll evaluate the amount of protection that’s best for you and find the coverage you want at the best possible price. We will also look at bundling opportunities and discounts that could save you even more.

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