---
title: Protect Your Assets with a Personal Umbrella Policy
---

# Protect Your Assets with a Personal Umbrella Policy

* * *

## Protect Your Assets with a Personal Umbrella Policy

Even though you have insurance that protects your [automobiles](/auto-insurance), your [home](/) or your “toys” (boats, [motorcycles](/boat-insurance) and seasonal locations), do you have insurance that protects your assets? Is protecting your family’s financial assets a priority for you?

We can help protect your assets with a personal umbrella policy.

**WHAT IS A PERSONAL UMBRELLA POLICY?**

A personal umbrella policy provides additional liability limits above your personal auto, homeowners and [watercraft](/boat-insurance) policies. It protects your assets from a liability suit and from paying out of pocket if there were a catastrophic liability claim. It also provides defense coverage, and in some cases may provide coverage when your other policies do not.

**CLAIMS EXAMPLES**

Here are two examples how a personal umbrella policy may help you:

**Automobile:** You are involved in an accident with another automobile where the passenger in the other vehicle sustained major injuries. You could be sued for $2 million in medical bills.

**Social Media:** Your teenager writes something on a social media site about another person in their school. The other teen’s parents sue for $3 million, because they feel the remarks are defaming and disparaging.

In both cases, your primary policy may pay on average only $250 - $500K, leaving the additional burden to you and your family. A personal umbrella can help ease that burden.

**WHAT IS THE COST FOR A PERSONAL UMBRELLA POLICY, AND ARE THERE ANY DISCOUNTS?**

A personal [umbrella policy](/umbrella-insurance) is affordable. If you have only one automobile and one home, $1 million in coverage may cost just $150 to $200 a year. Additional automobiles, recreational vehicles, watercraft and additional liability limits would cause the premium to increase.

We all love lower premiums and there is a way for you to save money with multi-policy discounts. When you insure your automobiles and home with Auto-Owners Insurance, you will receive a discount on your personal umbrella policy. Conversely, a personal umbrella policy will give you a discount on your automobile and homeowners policies.

[Contact our agency](/contact) for more information regarding a personal umbrella policy and how it will help protect you and your family.

## Insurance Quotes

Give us some info and we'll help you find the best coverage options.

[Request a Quote](/quotes)

## Insurance Partners

[Trusted Choice — Anthem — Assurant — Cigna — Humana — Openly — Prudential — RLI — Symetra — Auto Owners — Foremost Insurance — Hagerty — Kemper — Liberty Mutual — Progressive — Travelers](/insurance-companies)

## From Our Blog

[Six Tips to Minimize Risk of Extreme Weather on Your Business](/blog/2026/six-tips-to-minimize-risk-of-extreme-weather-on-your-business)

[Is an Electric Car Right for You?](/blog/2026/is-an-electric-car-right-for-you)

[What to Consider Before Installing a Home EV Charger](/blog/2026/what-to-consider-before-installing-a-home-ev-charger)

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