Look at the policies underneath the umbrella
An umbrella policy can provide additional liability protection, subject to its terms. Start by reviewing your existing home, auto and other relevant policies.
What to review
Underlying policy requirements
Check the liability limits you must maintain and which policies must be included.
Your household’s exposures
Discuss drivers, properties and activities that may affect eligibility and coverage.
Exclusions and defense costs
Ask what is excluded and how defense costs are handled. An umbrella policy does not cover every type of liability.
Compare before you choose
| Compare | Question to resolve |
|---|---|
| Required liability limits | Check the home, auto and other liability limits the umbrella requires. |
| Household information | Account for drivers, properties and vehicles when discussing eligibility. |
| Coverage gaps | Ask what happens if a required underlying policy is missing or has an insufficient limit. |
Already insured? Share your current policy through Canopy Connect, or contact our team to arrange another way to provide your declarations page.
What to bring to the conversation
- Home, auto and other liability declarations pages
- Details of properties, vehicles and household drivers
- Questions about the limits you currently carry
Call our office or book a conversation. The team can explain which additional details are needed for your situation.
Questions before you choose
Does umbrella insurance cover damage to my own property?
It is primarily liability protection. Ask which risks are covered and which belong under other policies.
What does it cost?
The premium depends on the insurer, limits and your household’s details. Request a quote rather than relying on a generic average.
Helpful consumer resources
NAIC umbrella insurance overview
General information is a starting point. Your policy documents, endorsements, exclusions and limits determine your coverage. Product availability and eligibility vary.