What Is It?
Understanding Personal Umbrella Insurance
A Personal Umbrella policy provides an additional layer of liability coverage above and beyond your home and auto insurance limits. When a claim exceeds your primary policy limits — from a serious car accident, a lawsuit from an injury on your property, or other liability events — your umbrella coverage kicks in to protect your personal assets.
Who Needs It?
Is This Right for Me?
Anyone with significant assets to protect benefits from a personal umbrella policy. This includes homeowners, anyone with savings or investments, parents of teen drivers, people who host guests frequently, those with pools or trampolines, and anyone who could be a target for a large lawsuit.
What’s Covered
What Does Personal Umbrella Insurance Cover?
Provides additional coverage above your auto, home, and boat insurance liability limits.
Covers some claims that your underlying policies exclude, like false arrest or libel.
Pays attorney fees and court costs after your underlying policy limits are exhausted.
Most umbrella policies provide liability coverage for incidents anywhere in the world.
Extends to liability claims from rental properties you own.
Some policies extend coverage to liability from volunteer work and nonprofit board activities.
Where We Work
Licensed in Georgia, Alabama, Tennessee, North Carolina, South Carolina, Virginia & Arkansas & Nationwide
TWFG Insurance Branch 342 serves clients across the Southeast and beyond. We shop 50+ carriers to find the right coverage wherever you live.
Common Questions
Personal Umbrella Insurance FAQs
How does a personal umbrella actually work?
Say you cause an accident and the damages total $800,000 but your auto policy only covers $300,000. Without an umbrella, you pay the remaining $500,000 personally. With a $1M umbrella, it covers the difference — protecting your savings, home, and future earnings.
How much umbrella coverage do I need?
A good starting point is at least enough to cover your net worth. Common limits are $1M, $2M, and $5M. Given how affordable umbrella policies are — often $150-$300 per year for $1M — most people are underinsured without one.
Do I need to have home and auto with the same company to get an umbrella?
Usually yes — umbrella carriers typically require that your underlying home and auto policies meet minimum liability requirements. We’ll make sure everything is properly structured so your umbrella sits correctly on top of your other policies.
Does a personal umbrella cover my business activities?
Generally no — personal umbrella policies exclude business-related liability. If you run a business from home or have business activities, you need a Commercial Umbrella policy in addition to or instead of a personal umbrella for those exposures.
Why TWFG Insurance Branch 342?
Independent agency — we shop the market so you don’t have to.
Based in LaGrange, GA — licensed across 7 states and nationwide.
We fight for you at claim time — that’s the independent agent difference.
We review your coverage every year to make sure you’re always protected.
Other Personal Coverage Options
Ready to Get Covered?
Free quote from TWFG Insurance Branch 342. No obligation, no pressure.