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home > umbrella insurance
Get all the info you need on umbrella insurance. And check back with us soon — we'll be offering umbrella coverage through a partner!
What personal umbrella insurance does:
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. More [+]
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.
Personal umbrella coverage through an Esurance partner gives you the best defense, in case your primary policies are ever stretched to their limits.
When you get a free umbrella insurance quote, you'll be able to secure the added protection you need without tapping into your rainy day fund.
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. More [+]
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.
If you're sued and found to be at fault, your umbrella coverage will take care of certain damages that exceed the limits on your car or home insurance, or other applicable policies.
Personal umbrella insurance through an Esurance partner can provide: More [+]
A typical policy can also cover:
There are a few things we consider when you apply for a personal umbrella insurance policy through an Esurance partner. To be considered for coverage, you must have the following:
Please note: you can't have any drivers under 23 or over 79 in the household, in addition to any major driving violations or DUIs.
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 does not underwrite or pay claims for this product.