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Best umbrella insurance

These top insurers offer extra liability – and sometimes increased coverage as well.

Umbrella insurance is a policy that provides a lot of extra liability coverage – in addition to your liability limits on your home insurance and auto insurance.

You may need to increase your underlying liability limits on your car insurance policy and most insurers require you to have a car insurance policy with them before you buy an umbrella policy. But solely based on umbrella insurance, these insurance companies stand above the rest.

Best overall

PROMOTED

Liberty Mutual

Finder rating 4 / 5 ★★★★★

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on Liberty Mutual's secure site
Liberty Mutual’s umbrella policy offers broad coverage with limits ranging from $1 million to over $10 million. It provides worldwide coverage and extends your liability protection to include things such as libel and slander, including on rental properties you may own. Overall, it’s a comprehensive policy that comes with a wide range of liability limits.

Best for convenience

Progressive

Finder rating 4 / 5 ★★★★★

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on Progressive's secure site
Progressive umbrella policies can be easily bought online, though you’ll need to make sure you have high enough underlying liability limits on your auto insurance in order to qualify, similar to other companies. But it offers a $500,000 umbrella starting option, which is lower than most companies and could be good for people who don’t need the minimum $1 million in coverage.

Best for military connections

USAA

Finder rating 4 / 5 ★★★★★

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on USAA's secure site
USAA has a relatively loyal client base on its auto insurance, its cheaper auto insurance rates for people with military connects may offset higher umbrella costs compared to other insurers. It’s a fairly standard umbrella option with limits between $1 million and $5 million, but a good choice if you already have your auto insurance with USAA.

Best for monetary return

Amica

Finder rating 4 / 5 ★★★★★

Amica offers two types of umbrellas: a traditional umbrella and a dividend umbrella. The dividend umbrella option is fairly unique with umbrella policies. It costs more to purchase up front, but it can return between 5% and 20% of your annual premiums. However, the dividend umbrella policy isn’t available in every state.

How did we choose these insurers?

Finder’s editorial team works countless hours analyzing insurance companies and policies, and compares customer satisfaction scores, discounts, rates, coverage options and online reviews. We also factor in ratings from sites such as AM Best, J.D. Power and the Better Business Bureau.

Find the best umbrella insurance companies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
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How do I compare the best umbrella insurance?

Umbrella insurance policies offer peace of mind that you won’t have to dip into personal assets if you’re sued or liability costs are higher than your car or home insurance limits. But there’s a few things to keep in mind when buying an umbrella policy:
  • Umbrella vs. excess. Excess policies provide extra liability – with the same coverages and exclusions as your underlying auto and home policies. Umbrellas should provide a broader coverage than your underlying policies and give you coverage that you might not have. Check your policy to see what type of coverage you have.
  • Worldwide coverage. Most umbrella or excess policies provide liability coverage anywhere in the world, which is a solid feature. Double check that your coverage isn’t limited to the United States.
  • Coverage for family members. Many umbrella policies extend liability to household family members, though you’ll want to double check and make sure they are listed on your policy.
  • Accurate underlying insurance. When applying for umbrella insurance, you’ll need to state what your underlying insurance policies are and what is insured, such as vehicles, homes you own and rent out, boats, motorcycles and anything else that’s insured. This way, you can make sure all of your assets are covered.
  • Retention amount. Umbrella policies don’t have a deductible, they have a self-retention amount. This is the amount you’ll pay before your umbrella policy kicks in. It functions similar to a deductible and can lower your rates if you choose a higher amount.
  • Check the exclusions. Every insurance policy has exclusions and umbrella policies typically vary more from company to company than other types of insurance. Be sure to read your policy and look for the exclusions so you know what’s not covered.

Bottom line

Umbrella insurance provides extra liability coverage, which can be valuable if you’ve caused a serious accident and are responsible for somebody else’s injuries or property damage. Most insurance companies want you to carry a car insurance policy with them before offering an umbrella, compare car insurers that offer umbrellas insurance to find the best one for you.

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