Personal Umbrella Liability
Extra Coverage When the Stakes Are Higher
Why Personal Umbrella Insurance?
You don’t have to be wealthy to get sued like you are.
One serious accident — a guest injured at your home, a car crash with multiple injuries, or even a defamation claim online — and your standard home or auto liability limits may not go nearly far enough.
That’s where Personal Umbrella Insurance steps in.
At United Coverage, we help you secure an extra layer of protection — typically $1M to $10M in additional liability coverage — so one incident doesn’t wipe out everything you’ve built.
What Does It Cover?
Umbrella insurance kicks in after your primary policy limits are exhausted (home, auto, etc.). Here’s what it protects against:
Bodily Injury Liability
You’re found at fault in a major car accident.
A guest trips and sustains a serious injury at your home.
Someone drowns in your pool or is injured on your property.
Property Damage Liability
You cause significant damage in an accident that exceeds your auto policy limits.
A fire from your grill spreads and damages your neighbor’s house
Personal Injury Liability
Lawsuits for libel, slander, or defamation (including social media posts).
False arrest or wrongful eviction lawsuits (landlords, take note)
Legal Fees
Covers attorney costs, court expenses, and legal judgments — often regardless of fault.
Who Needs Umbrella Coverage?
Short answer? Just about everyone. But especially:
- Homeowners
- Car owners (especially with teen drivers)
- Landlords / investment property owners
- Pet owners
- Boat & jet ski owners
- Social media influencers
- High-net-worth individuals
- Anyone with assets to protect — or future income on the line
You don’t need to be a millionaire to get sued like one.
But you do need to be insured like one.
How Much Does It Cost?
Here’s the kicker: Umbrella insurance is surprisingly affordable.
Most $1 million policies range from $150–$300 per year, with each additional million costing less. That’s less than a dollar a day for peace of mind most people don’t even know they need.
Why United Coverage?
- We tailor coverage to fit your lifestyle — not just your net worth
- We coordinate with your auto, home, and specialty policies to avoid gaps
- We understand New York risk — litigious neighbors, high-traffic roads, and high property value.
- One call, full protection — No call center runaround. Real advice, fast action.
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Let’s Talk Coverage That Works
