Excess, not a form of its own
An umbrella carries almost no coverage by itself; it extends the limits of the underlying home, auto and watercraft policies once those are exhausted.
PUP
The easiest sale in personal lines and the most often forgotten.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. A personal umbrella adds liability limits above a household’s home and auto policies: when a claim exhausts the auto limit, the umbrella pays the rest up to its own limit, and drop-down coverage can answer a claim the underlying excludes. A teen driver or a pool is a typical reason. Cennairus shops it across the panel.
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An umbrella carries almost no coverage by itself; it extends the limits of the underlying home, auto and watercraft policies once those are exhausted.
Most umbrella markets require a minimum liability limit already in force on the home and auto before they will sit above them.
Liability arising away from home — a rented vacation property, a minor's off-campus accident — still reaches back to the umbrella.
Because the underlying limits are already in the file, quoting the umbrella means selecting a limit, not re-collecting the household from scratch.
Home and auto limits carry into the umbrella submission automatically.
Quoted while the client is buying the underlying, not at renewal a year later.
The limits high-net-worth households and youthful drivers genuinely need.
Who buys it: households with a teen or newly licensed driver; owners of a boat, atv or recreational vehicle already insured elsewhere; anyone serving on a homeowners association or nonprofit board; households that host often — pools, parties, trampolines; a household renting out a second property; higher-net-worth households an advisor or attorney has told to carry more limit.
A backyard pool, a teenager with a new license, a weekend hosting the neighborhood — ordinary household liability is exactly what an umbrella is bought for.
Many advisors size it to at least match the household's net worth, though the underlying auto and home limits set the minimum entry point any given market will accept.
For a claim the underlying policy excludes outright, the umbrella can respond above a self-insured retention the household pays itself — coverage the home or auto form never had, not just a higher limit on.
Often yes, if the property is scheduled.
Every umbrella market sets its own minimum liability limit on the home and auto before it will sit above them.
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