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Personal Umbrella Insurance

Coverage that goes above and beyond

Personal umbrella insurance helps protect you against large liability claims. When you've reached the liability limit on your property policy, a personal umbrella policy will kick in to help prevent you from paying out of pocket.

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Protect yourself from the unexpected.

Your agent can help you learn more about a personal umbrella policy and why it might be right for you.

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Benefits of personal umbrella insurance

If a guest is injured in your home and sues you for $1 million dollars, personal umbrella insurance starts working once you reach the liability limit on your property insurance. Without this extra protection, your assets, like retirement accounts and real estate, could be at risk.

What does it cover?

Allstate typically offers personal umbrella limits between $1 million and $5 million. Your policy can also help cover:

  • The cost of an attorney if you're sued over a covered incident
  • Lost wages due to a court appearance, up to your policy limits
  • Incidents even when you're out of the country

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Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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