(800) 956-3728 Personal Umbrella
Insurance
Extra coverage to help protect against the unexpected.
What is Umbrella Insurance?
Umbrella insurance is a safety net that helps protect you from unexpected events—e.g., major accidents, lawsuits, and property damage—by providing coverage* that goes beyond the limits of your home and auto insurance policies.
It takes only a few moments for accidents and other unexpected things to happen. And while no one can see into the future, Mercury’s umbrella insurance coverage can help you prepare for it for as little as $1 a day.
How Does an Umbrella Insurance Policy Work?
Imagine that you’ve got a homeowners policy with a liability limit of $300,000, and you’re found liable for $1 million in damages for an incident on your property.
Your homeowners policy may cover a portion of that, but where’s the rest going to come from? Unfortunately, it’s going to come out of your pocket—unless you have a $1 million umbrella insurance policy. This extra coverage will make up the difference, so you and your assets are protected.
Highlights & Benefits of Umbrella Insurance Coverage
At Mercury, you can customize your policy to match your needs. Coverage options range from $1 million to $5 million, depending on the assets you’re looking to protect.1
Take a look at some of the benefits of umbrella insurance coverage from Mercury:
- High coverage limits to protect against major liability claims
- Affordable rates with coverage starting at about $1 a day
- Uninsured Motorist coverage options for extra peace of mind2
- Multi-policy discounts when bundling auto, homeowners, and umbrella insurance
- Nationwide availability in most states
Talk to a Mercury agent today about our affordable auto and umbrella coverage. Existing auto customers can get an umbrella quote in less than a minute!
1Available coverages are $1M–$5M in CA, TX, OK, and IL, and $1M–$2M in all other states where umbrella is available.
2Coverage availability varies by state.
What’s Covered vs. What’s Not Covered by an Umbrella Policy
| Umbrella Insurance Coverage (Common) | Exclusions from Umbrella Insurance Coverage (Common) |
| Bodily injury liability (e.g., medical bills) | Damage to your own property |
| Property damage to others | Business-related claims |
| Landlord liability for rental properties | Intentional or criminal acts |
| Legal defense costs | Contractual obligations |
| Personal liability (e.g., slander or libel) | Worker injury (workers' comp situations) |
Coverage specifics vary by state and policy. Be sure to review your policy or talk to a local insurance agent for full details.
Frequently Asked Questions About Umbrella Insurance
What is a personal umbrella policy?
A personal umbrella policy provides extra liability coverage beyond what your auto or homeowners insurance covers. It helps protect your assets from large financial claims, such as legal judgments or medical expenses, that exceed your standard policy limits.
What does umbrella mean in insurance?
In insurance, an “umbrella” policy provides broad protection that extends over your other policies, like an umbrella covering everything underneath. It steps in when your primary coverage runs out.
What is not covered by an umbrella policy?
Umbrella insurance typically doesn’t cover the following:
- Personal property damage
- Business activities
- Criminal or intentional acts
- Contracts or agreements you enter into
For a full list of exclusions, consult your Mercury policy details.
Who needs umbrella insurance?
You may need umbrella insurance if:
- You own property or significant assets
- You have a high net worth or future earning potential
- You want protection against large lawsuits or claims
- You engage in activities that could increase liability risks (e.g., hosting parties, owning a dog or pool)
What is the most affordable umbrella insurance?
The most affordable umbrella insurance gives you $1 million or more in extra liability coverage for just a few dollars a month, protecting your savings, home, and future income without straining your budget. Look for:
- High Coverage, Low Cost: Around $1 a day for $1M+ protection.
- Easy Bundling: Add it to your home or auto policy.
- Flexible Limits: Choose coverage that fits your needs.
- Trusted Support: Reliable claims service when it counts.
Mercury makes it easy to get affordable umbrella coverage starting at just $1 a day, a simple way to protect what matters most. It’s one of the most affordable ways to safeguard your savings, home, and future earnings from unexpected claims or lawsuits.
What are the leading features of top umbrella insurance policies?
Top umbrella policies feature high coverage limits (starting at $1 million), worldwide protection, coverage for lawsuits (libel, slander, personal injury), legal defense costs, and protection for claims not covered by standard policies. Policies should be compatible with your existing home or auto insurance and flexible enough to cover family members or assets.
What are the best umbrella insurance policies for families?
If you have a family, you’ll want umbrella coverage that extends protection to all household members. That way, you’re covered if your teen driver causes an accident, your dog injures someone, or a guest gets hurt at your home.
What is the best umbrella insurance for business owners?
You’ll need to look at commercial umbrella policies that provide higher liability limits on top of your general business insurance. This protects your company assets—and in some cases, your personal assets—if a large claim or lawsuit goes beyond your primary coverage.