Umbrella Insurance

You’ve worked hard for your car, home, savings — your success. And personal umbrella coverage can help you protect these assets from the unexpected.

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What is umbrella insurance?

Umbrella insurance provides additional liability coverage — over and above the limits on your auto and other personal liability policies. This extra protection is available in $1 million increments up to $10 million. And $1 million of coverage can cost less than $1 a day.

It’s an affordable way to keep an extraordinary event from becoming a financial life-changer. Consider: The average jury award for auto accidents involving bodily injury and property damage exceeds $300,000. Liability awards for accidents in the home can be just as substantial.

Here are some of the ways an umbrella policy can help when covered events threaten your financial security:

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Renters Insurance

Renters insurance in North Carolina can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for North Carolina

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Your son causes a car accident

While away at college, your 19-year-old son causes an accident that seriously injures a tech company’s top executives. Your auto insurance liability limits may not be high enough to cover their medical expenses and lost income while they recover.

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Your injured guest needs ongoing care

A guest at the pool party you’re hosting slips on your diving board and falls onto a stone-paved deck. She’ll be okay — but will need back surgery and ongoing rehab. The cost of this care will exceed the limits of your homeowners policy.

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Your injured friend can’t work

Your friend trips and falls over a toy left in the middle of a hallway by your young son. She won’t be able to work for some time, and the liability limits of your homeowners insurance may not be high enough to cover her medical bills and other compensation.

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You flood your downstairs neighbor

You forget you left your bathtub running when you get distracted while checking for mail in your apartment building’s lobby. While you’re gone, the tub overflows — deluging your downstairs neighbor’s home office. Renter’s insurance won’t cover the full costs of damage to her property and business.

What does umbrella insurance cover?

A standard umbrella policy provides additional liability coverage for:

  • Your primary residence
  • Two motorized vehicles
  • Small Sailboats
  • Motorboats with fewer than 50 horsepower

But you can also add optional umbrella coverage for other property and situations: Additional motorized vehicles; secondary or vacation homes; rental properties; unlicensed recreational vehicles; jet skis and jet sleds, vacant land; and uninsured/underinsured motorists.

Enjoy features you might not expect

Personal umbrella insurance follows you anywhere in the world, and features additional coverage your underlying policies might not include. For instance: It can help with legal fees and damages if you’re accused of slander in a social media post.

Add umbrella insurance to existing liability coverage

A Farmers umbrella policy builds on the liability coverage of two underlying policies: auto and homeowners or renters. While your auto insurance must be with Farmers, your home or renters insurance can be with Farmers or any other carrier.

Other popular insurance options to consider

By adding umbrella coverage to your home and auto insurance, you’re protecting many of your most important assets.

 But is everything covered? You can get multiline discounts when you buy multiple Farmers policies for risks like these: 


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Your jet skis are stolen


You’re at a lunch stop on your way to the lake when someone steals jet skis on the trailer behind your SUV.


Personal watercraft coverage can help if your jet skis or other covered watercraft are stolen.

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You damage your motorcycle



You wreck your motorcycle when it loses grip on a gravel road. You escape with minor cuts and bruises, but your bike needs major repairs.



Motorcycle insurance can help if your bike is damaged in an accident.

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Your retail store is hit by a storm


Your retail store is battered by a major storm — so severely that it will need a new roof.   


Business property insurance can help when a covered disaster damages structures you own.

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Your dog needs surgery


Your dog needs emergency surgery when he eats something that makes him sick.


Pet insurance can help when your dog or cat has a medical emergency covered by your policy.

Learn From Experience

Expand your knowledge base with articles relevant to you.

What Is Umbrella Insurance and Why Should I Consider It?

I may sound biased, but I think everyone could use umbrella insurance. 

How Much Does Umbrella Insurance Cost?

First, let’s look at how an umbrella policy — or personal umbrella as I call it — helps you protect your assets. 

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Talk to a Farmers® agent about umbrella insurance so you can choose the additional liability coverage you want.

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