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What is a Personal Umbrella Policy?

Published: September 2015

You may have heard of a personal umbrella policy, but do you know what it is?

A personal umbrella policy, sometimes referred to as a PUP, can help provide liability coverage beyond the limits of an underlying policy, such as homeowners or auto insurance. This added protection may help prevent you from paying out-of-pocket expenses. For instance, a PUP may kick in if you're found liable for a car accident that injures another person and the expenses related to the accident exceed the limits on your auto insurance policy.

Check out our video for information on the kinds of protections a PUP may provide.

Video Transcript

Announcer (voiceover): Accidents happen in life - and sometimes, they can have financial consequences if you're held liable. That's why you may want to consider a personal umbrella policy, or PUP.

Announcer (voiceover): A PUP may offer liability protection in a situation resulting in injury to someone else or damage to their property in cases where the damage exceeds the limits on your homeowners or auto insurance policy. This can potentially help you protect your assets, such as your home, savings and even future earnings

Announcer (voiceover): When may a PUP come in handy? Here are a few examples:

Announcer (voiceover): Suppose you're found at fault for a car accident that injures another person and their medical bills total more than your auto liability limits.

Announcer (voiceover): Imagine you rent a boat on vacation and it's damaged in a wreck.

Announcer (voiceover): Let's say you post a negative online review and you're sued for alleged defamation.

Announcer (voiceover): If you're legally obligated to pay for damages, a PUP may help in situations such as these. Umbrella policies typically offer at least $1 million in liability protection.

Announcer (voiceover): Of course, you don't expect something like this to happen to you. But accidents do happen, and having a PUP can give you peace of mind -- just in case.

Announcer (voiceover): Talk to your insurance agent today to help understand how you may benefit from a personal umbrella policy.


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Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2016 Allstate Insurance Company, Northbrook, IL.

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