Umbrella insurance
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Umbrella insurance from Esurance

An umbrella for all seasons

You've worked hard to get where you are. Your home, your grown-up toys, your retirement fund — none came easy. That's why it makes sense to protect them with more than just personal car and homeowners insurance.

Umbrella insurance can help. A secondary liability policy, umbrella insurance helps ensure that you have all the protection you need in case of an incident involving your car, home, or other property.

A personal umbrella policy is intended to fulfill 2 basic functions:

  • It extends the limits of your primary policies, kicking in when those coverage limits have been exhausted
  • It affords broader coverage than your primary policies provide


Why you need umbrella insurance

As your assets increase so does your exposure to loss. Umbrella insurance typically provides liability coverage above and beyond that of standard home and car insurance policies, allowing you to rest easy, knowing you're protected.

Imagine that you decide to take a relaxed Sunday spin around the neighborhood and, after swerving to avoid a squirrel, end up crashing your brand-new car into your neighbor's recently remodeled home, demolishing the lovingly cared-for vintage British roadster in the garage in the process.

The repair bills quickly mount into the millions, easily surpassing the limits on your car and homeowners insurance policies. And you're being sued to cover the damages, leaving you with several hundred thousand dollars in bills you'll have to pay out of pocket — unless you have the right umbrella coverage.


What personal umbrella coverage offers

If you're sued and found to be at fault, your personal umbrella insurance policy will kick in to cover certain damages that exceed the limits on your auto, homeowners, or other applicable policies.

Personal umbrella coverage through Esurance can provide:

  • Up to $10 million in liability coverage (limits depend on your location)
  • Broad coverage areas that offer liability protections other policies don't
  • Personal liability and personal auto protection
  • Liability coverage for non-owned watercraft and other recreational vehicles
  • Worldwide coverage

A typical policy can also cover:

  • An unlimited number of drivers between 23 and 89 years of age
  • An unlimited number of vehicles
  • An unlimited number of watercraft (under 75' long and capable of less than 50 mph)
  • Up to 15 property locations
  • Trusts, estates, personal limited liability corporations (LLCs), or limited partnerships


Umbrella insurance application requirements

Note that you must meet the following criteria to apply for an umbrella insurance policy through Esurance.

To apply for an umbrella insurance policy through Esurance, you must have the following:

  • A homeowners insurance policy with at least $300,000 of personal liability coverage or tenant coverage
  • An Esurance auto policy with limits of $250,000/$500,000 for bodily injury coverage, $100,000 for property damage coverage and uninsured/underinsured motorist coverage
  • A personal driving record with no more than one at-fault accident

Please note: you cannot have any drivers under 23 or over 89 on your auto policy, as well as any major driving violations or DUIs.

States where umbrella coverage is available

We can help you get umbrella coverage if you live in one of the indigo-colored states in the map below.


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Umbrella insurance policies are underwritten by United States Liability Insurance Group. Coverages, discounts, & billing options are subject to state availability, individual qualification &/or United States Liability Insurance Group's underwriting guidelines. Coverage is not available in AK, AL, DC, DE, HI, LA, MS, MT, ME, ND, NH, NM, VT, WV and WY. This is a brief description of coverage available. For complete details, including exclusions & limitations, please refer to the policy you will receive when you purchase the coverage. Umbrella insurance claims are processed by the United States Liability Insurance Group. Esurance provides customer service for the policies but does not underwrite or pay claims for them.