An umbrella policy sits above your home and auto liability limits and pays only after those underlying limits are exhausted. A $1 million personal umbrella behind $250,000 auto liability turns a $700,000 jury award into something the carrier covers. Most carriers require home and auto with the same carrier first. Umbrella is one of the highest leverage coverages on most personal policies, often around twenty dollars per month for $1 million of additional liability. See our Insurance Terms page at /insurance-terms.

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