(800) 956-3728 Personal Umbrella
Insurance
Extra coverage to help protect against the unexpected.
What is Umbrella Insurance?
Umbrella insurance is a safety net that helps protect you from unexpected events—e.g., major accidents, lawsuits, and property damage—by providing coverage* that goes beyond the limits of your home and auto insurance policies.
It takes only a few moments for accidents and other unexpected things to happen. And while no one can see into the future, Mercury’s umbrella insurance coverage can help you prepare for it for as little as $1 a day.
How Does an Umbrella Insurance Policy Work?
Imagine that you’ve got a homeowners policy policy with a liability limit of $300,000, and you’re found liable for $1 million in damages for an incident involving your dog.
Your homeowners policy may cover a portion of that, but where’s the rest going to come from? Unfortunately, it’s going to come out of your pocket—unless you have a $1 million umbrella insurance policy. This extra coverage will make up the difference, so you and your assets are protected.
Highlights & Benefits of Umbrella Insurance Coverage
At Mercury, you can customize your policy to match your needs. Coverage options range from $1 million to $5 million, depending on the assets you’re looking to protect.*
Take a look at some of the benefits of umbrella insurance coverage from Mercury:
- High coverage limits to protect against major liability claims
- Affordable rates with coverage starting at about $1 a day
- Uninsured motorist coverage options for extra peace of mind
- Multi-policy discounts when bundling auto, homeowners, and umbrella insurance
- Nationwide availability in most states
Talk to a Mercury agent today about our affordable auto and umbrella coverage. Existing auto customers can get an umbrella quote in less than a minute!
Available coverages are $1M–$5M in CA, TX, OK, and IL, and $1M–$2M in all other states where umbrella is available.
What’s Covered vs. What’s Not Covered by an Umbrella Policy
| Umbrella Insurance Coverage (Common) | Exclusions from Umbrella Insurance Coverage (Common) |
| Bodily injury liability (e.g., medical bills) | Damage to your own property |
| Property damage to others | Business-related claims |
| Landlord liability for rental properties | Intentional or criminal acts |
| Legal defense costs | Contractual obligations |
| Personal liability (e.g., slander or libel) | Worker injury (workers' comp situations) |
Coverage specifics vary by state and policy. Be sure to review your policy or talk to a local insurance agent for full details.
Frequently Asked Questions
What is a personal umbrella policy?
A personal umbrella policy provides extra liability coverage beyond what your auto or homeowners insurance covers. It helps protect your assets from large financial claims, such as legal judgments or medical expenses, that exceed your standard policy limits.
What does umbrella mean in insurance?
In insurance, an “umbrella” policy provides broad protection that extends over your other policies, like an umbrella covering everything underneath. It steps in when your primary coverage runs out.
What is not covered by an umbrella policy?
Umbrella insurance typically doesn’t cover the following:
- Personal property damage
- Business activities
- Criminal or intentional acts
- Contracts or agreements you enter into
For a full list of exclusions, consult your Mercury policy details.
Who needs umbrella insurance?
You may need umbrella insurance if:
- You own property or significant assets
- You have a high net worth or future earning potential
- You want protection against large lawsuits or claims
- You engage in activities that could increase liability risks (e.g., hosting parties, owning a dog or pool)