What is an “Umbrella” policy, and why do I need it?

Teenage Drivers, Swimming Pools, Trampolines, Investment Properties, Vacation Homes, Dogs & Other Animals, Hunting/Shooting and other activities are all good reasons to consider a Personal Umbrella policy.

The Personal Umbrella policy provides liability limits in excess of those contained in your primary Home, Condo, Tenant’s, Auto, Motorcycle and Watercraft policies.


The typical $1,000,000 Umbrella policy over 1 Home + 2 Autos is $165-$185/year, depending on your state. Additional locations, vehicles or drivers can affect eligibility and rates. With payplans like monthly withdrawal from your bank or payroll deduction, payments can be as low as $13/month or $8/paycheck, respectively.


We can write Personal Umbrella policies up to $10,000,000 if you have the need.

Posts on imwithcameron.com are written in plain language for informational purposes only. They are not policy forms or parts of an insurance policy. For exact language, see the insurance policy provided by your carrier.

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Cameron A. Shandersky, CPCU
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