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Personal umbrella insurance policy

Protection that goes above and beyond

Sometimes you need a little extra protection. If you're facing a liability claim that exceeds your home or auto coverage liability limit, personal umbrella coverage may help.

Suppose you're found at fault for a car accident that injures another person. If their medical bills or a legal judgment against you exceeds your auto liability limits, an Allstate ® Personal Umbrella Policy (PUP) may help prevent you from paying out of pocket for the difference.

A personal umbrella policy offers you coverage against large and potentially devastating liability claims. To purchase a PUP, you must first have an auto or property insurance policy with Allstate that meets the required limits.

A PUP may also help cover you in these situations:

  • If you're sued over an incident covered by your PUP, Allstate may retain and pay for your attorney
  • If you are experiencing lost wages due to a court appearance related to a liability claim
  • If you are traveling abroad – coverage extends to you even when you're out of the country
For more information on required limits and to learn more about the key parts of a personal umbrella policy, visit Personal Umbrella Insurance Made Simple.

How Much Coverage Does a Personal Umbrella Policy Provide?

A Personal Umbrella Policy from Allstate is typically available in increments of $1 million, up to $5 million. When choosing how much umbrella insurance coverage to purchase, it's a good idea to consider the value of all your assets, including your home, belongings and earning capacity. Your local agent can help you decide how much coverage is right for you.

Related Resources

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

Insurance, coverage and discounts are subsequent to terms, conditions & agreements, which may vary by state. Discount amounts and total savings will vary.

ECC Monitor: OK