{"id":329,"date":"2020-04-24T14:39:34","date_gmt":"2020-04-24T19:39:34","guid":{"rendered":"http:\/\/guaranteedrate.wpengine.com\/?page_id=329"},"modified":"2026-04-10T14:49:17","modified_gmt":"2026-04-10T19:49:17","slug":"umbrella-insurance","status":"publish","type":"page","link":"https:\/\/www.rate.com\/insurance\/umbrella-insurance\/","title":{"rendered":"Umbrella Insurance"},"content":{"rendered":"\t<div class=\"wp-block block-hero hero-v2 hero-refresh  bg-white \">\n\t\t<div class=\"row align-items-center\">\n\t\t\t<div class=\"col-lg-6 col-xl-5 order-2\">\n\t\t\t\t<div class=\"caption-overlay text-center text-lg-left\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-hero\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<small>Umbrella Insurance<\/small>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tProtection that<br>will have you<br>singing in the rain.\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n                                Get Your Free Quote\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n                            <picture class=\"hero-img col-lg-6\">\n                    <source media=\"(min-width: 768px)\" data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19.png 1650w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-768x593.png 768w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-1024x791.png 1024w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-1536x1187.png 1536w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-1165x900.png 1165w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-1398x1080.png 1398w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-200x155.png 200w\">\n                    <source data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19.png 1650w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-768x593.png 768w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-1024x791.png 1024w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-1536x1187.png 1536w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-1165x900.png 1165w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-1398x1080.png 1398w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19-200x155.png 200w\">\n                    <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2026\/04\/Landing-Page-Images-19.png\" class=\"img-fluid lazyload\" alt=\"Umbrella Insurance\">\n                <\/picture>\n            \n                    <\/div>\n\n\t<\/div>\n\n\t<div class=\"wp-block block-logos bg-200\">\n        <div class=\"container\">\n            <div class=\"content-logos\">\n                                    <h2 class=\"title-block mb-1 mb-md-0\">\n                        We search for the best insurance at the best price from top-rated carriers.                    <\/h2>\n                                <ul class=\"list-unstyled list-logos row mb-0  justify-content-between\">\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/allstate@2x.png\" width=\"102\" height=\"23\" alt=\"\" class=\"img-fluid lazyload\">\n                 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data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/nationwide@2x.png\" width=\"66\" height=\"70\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/liberty-mutual-logo.png\" width=\"221\" height=\"57\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                    <\/ul>\n                                            <\/div>\n        <\/div>\n\t<\/div>\n\n\n\n\t<div class=\"wp-block block-testimonials v2\">\n        <div class=\"container\">\n                            <div class=\"title-block\">\n                    <h2 style=\"text-align: center\"><span class=\"text-brand-base\">4.9 stars<\/span><br \/>\nrating from 5k+ Google verified reviews<\/h2>\n<p style=\"text-align: center\">We\u2019ve helped thousands find the perfect insurance and we\u2019d like to help you too.<\/p>\n                <\/div>\n                                    <div class=\"v2-swiper-wrapper\">\n                <div class=\"static-testimonials swiper-testimonials-v2\">\n                    <ul class=\"list-unstyled list-quotes\">\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Our team was amazing, everyone was willing to go the extra mile for us\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>We had many questions and need a lot of guidance through the process. Our team was amazing, everyone was willing to go the extra mile for us. We always had an answer to our questions and were provided with all the tools necessary to make the right choice.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Katherine L                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Great rate. Wonderful customer service\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>Great rate. Wonderful customer service. Answer all my questions expeditiously especially since I am purchasing property out of state. Highly recommended. Everything done over the computer and phone with my information secure. Thank you.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Elaine W                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">The whole process has been extremely easy\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>First time home buyer, and the whole process has been extremely easy for me with your help.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Clark R                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t<\/ul>\n                <\/div>\n                \n                            <\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\t<div class=\"wp-block block-columns container \">\n\t\t            <header class=\"header-section \">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t<h2>The Basics<\/h2>\n<p>If you are determined to be at-fault in a major accident, loss of life or permanent disablement claims could easily result in lawsuits worth millions of dollars. After exhausting your maximum coverage, plaintiffs could come after your assets and even garnish your wages for years to come. Most umbrella policies start with a one-million-dollar limit, with million-dollar increments up to five or ten million in coverage. This coverage requires and supplements an existing policy, typically home, auto or boat, and is only applied once the liability limit is reached.<\/p>\n\t\t\t\t<\/div>\n            <\/header>\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tProperty &amp; injury\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>If property or medical claims exceed your original policy, umbrella policy will supplement your coverage.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tLegal fees\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Coverage for legal counsel and court fees is provided in the event of a lawsuit.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tTenant damage\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>In the event your renters cause excess damage, your policy can help you restore your property.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tLibel, slander or defamation of character lawsuits\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Umbrella policies provide protection for many liabilities not outlined in typical liability plans.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tSupercharge your policies\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Supplements your existing personal policies \u2014 home, auto and more.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-cta-simple mb-7 container \">\n\t\t<div class=\"row\">\n            <div class=\"col-lg-10 mx-lg-auto\">\n                <h2 style=\"text-align: center;\">You could save up to 20% on your insurance by bundling<\/h2>\n<p style=\"text-align: center;\">Save with a multi-policy discount when combining auto, home, renters and condo insurance.<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"text-center mt-3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n\t\t\t\t\t\t\t\tGet Your Free Quote\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n<div class=\"container wp-block block-related-posts\">\n                <aside class=\"post-aside post-tags text-xs \">\n                                    <h2 class=\"title-related\">Related Posts<\/h2>\n                                <ul class=\"list-unstyled row\">\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-9321 post type-post status-publish format-standard has-post-thumbnail hentry category-home category-specialty tag-home-insurance tag-umbrella-insurance\" id=\"post-9321\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/04\/CTA-Banner-Pet-16-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a> <a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/what-is-umbrella-insurance\/\" rel=\"bookmark\" class=\"text-dark\">Umbrella Insurance: What It Is and Why You Might Need It<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Unforeseen events happen \u2014 it\u2019s part of life, and it\u2019s why we have insurance coverage. However, if a routine accident becomes an even larger than expected event, umbrella coverage is there to protect what you\u2019ve built. Learn about umbrella insurance coverage, costs, and benefits and if it might be right for you. <\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/what-is-umbrella-insurance\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Umbrella Insurance: What It Is and Why You Might Need It<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-10816 post type-post status-publish format-standard has-post-thumbnail hentry category-auto category-home\" id=\"post-10816\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/06\/Blog-Graphic-1027-x-441-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/auto\/\" rel=\"category tag\">Auto<\/a> <a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/demystifying-insurance-to-ensure-proper-coverage\/\" rel=\"bookmark\" class=\"text-dark\">Demystifying Insurance to Ensure Proper Coverage\u00a0<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Home &amp; Auto Insurance are among the few products that many people buy but hope to never use. Night and day, proper coverage provides peace of mind that an accident, weather event, natural disaster, or unexpected injury or illness will not cause financial ruin. And yet, many Americans are either uninsured, underinsured, or are paying<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/demystifying-insurance-to-ensure-proper-coverage\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Demystifying Insurance to Ensure Proper Coverage\u00a0<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-11208 post type-post status-publish format-standard has-post-thumbnail hentry category-specialty tag-umbrella-insurance\" id=\"post-11208\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/12\/CTA-Banner-Pet-30-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/what-are-the-benefits-of-umbrella-insurance\/\" rel=\"bookmark\" class=\"text-dark\">What are the benefits of umbrella insurance?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Discover the peace of mind that comes with umbrella insurance as we explore its potential to safeguard your assets beyond standard policies. From increased liability protection to coverage for legal fees, this blog sheds light on the valuable benefits of adding umbrella insurance to your financial portfolio. Apply now to ensure you&#8217;re fully protected against life&#8217;s uncertainties.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/what-are-the-benefits-of-umbrella-insurance\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about What are the benefits of umbrella insurance?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                                        <\/ul>\n            <\/aside>\n                    <a href=\"\">See All  Posts &raquo;<\/a>\n    <\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-329","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need umbrella insurance for my home? | Rate.com<\/title>\n<meta name=\"description\" content=\"More than just for rain. Cover your home &amp; your property with additional protection in the event of a claim. Get a free umbrella insurance quote today!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rate.com\/insurance\/umbrella-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do I need umbrella insurance for my home? | Rate.com\" \/>\n<meta property=\"og:description\" content=\"More than just for rain. Cover your home &amp; your property with additional protection in the event of a claim. 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