Personal Umbrella Insurance
Extra liability protection above your auto and home policies, quoted in the states where umbrella coverage is part of our appetite.
Who considers an umbrella
People with savings, a home, rental property or future income to protect; families with teen drivers; and anyone who hosts guests, has a pool or owns recreational vehicles.
How it fits with your other policies
| Layer | Example |
|---|---|
| Umbrella | Adds a further limit, commonly in $1 million increments |
| Auto liability | Pays first, up to its limit |
| Home or renters liability | Pays first for claims at home, up to its limit |
Rental property and business activities may need commercial umbrella or excess coverage instead — see commercial property insurance.
Common questions
How does an umbrella policy work?
When a covered liability claim exceeds the limit of your auto or home policy, the umbrella pays the rest, up to its own limit. Some umbrellas also cover certain claims the underlying policies do not.
Do I need specific limits on my other policies?
Yes. Umbrella carriers require minimum liability limits on your underlying auto and home policies, and you must keep them in force.
States where we quote umbrella insurance
Insurance guides
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Del Toro Insurance is an insurance agency. Coverage is subject to policy terms, underwriting approval and availability in your state; not every coverage described is available in every state or for every property or business.
Tell us what you own and what you drive
Call, message us on WhatsApp or request your quote online. We work in English and Spanish.