Shop insurance For customers For agents Log in Umbrella Insurance Added protection for the unexpected Find a local agent Enter your ZIP code to get started ZIP code zip code Search by agency name What does umbrella insurance cover? Umbrella insurance provides an additional layer of personal liability protection1 on top of your liability insurance. So what does that mean? Here’s a scenario to help explain: You're driving on a rainy night when traffic stops abruptly ahead of you. Because of the conditions, you can't stop fast enough and rear-end the car in front of you, seriously injuring the two occupants. The total cost of their medical care is $720,000. Your auto policy pays $500,000 and repairs their vehicle, but that leaves $220,000 in unpaid bills for which you are legally responsible. This is where umbrella insurance kicks in. A Safeco umbrella policy provides an additional layer of protection when you don't have enough primary insurance coverage. Without an umbrella policy, your savings and future income could be in danger. But, in this scenario, your umbrella policy will pay the $220,000 in outstanding bills, plus associated legal costs as well. A Safeco umbrella policy can be used with any other Safeco policies you have, along with most policies purchased from other insurance companies. This includes policies covering your boat, motorcycle, all-terrain vehicle, snowmobile, or other toys. Why should you add umbrella insurance to your policy? Having $500,000 of liability coverage sounds like a lot of protection, but when you think about the high cost of emergency care, surgical bills, post-surgery care, rehab, pain and suffering, lost income, and more the costs can rise rapidly. Multiply that by several individuals and it's easy to exceed $500,000. A personal umbrella policy begins where damages for covered claims could exceed the underlying policy limits. It's also a critical part of your overall risk management plan because it provides an additional layer of protection when you need it. Without an umbrella policy, your assets, savings, and even future income could be in danger because you could be required to pay all costs over your policy's liability limit. And umbrella covers much more than just auto accidents. That’s why it's essential in helping protect your family. It's also affordable. Quality coverage costs as little as a dollar a day. Start with a quote — finish with an agent Policy type Auto Homeowners Renters Condo Boat Motorcycle RV Umbrella Landlord Protection ZIP code Get started Still have umbrella insurance questions? Browse the most frequently asked questions about umbrella insurance below, or contact a local independent agent to discuss your options today. How much coverage do you need? How much does an umbrella policy cost? Can you get umbrella insurance on its own? 1 Rates vary. Applicants individually underwritten. Your home or boat policy does not have to be with Safeco, but minimum liability limits are required. Resources Log in Create your account Customer support Pay your bill Fraud alert Careers Insurance agents Find an agent Become an agent Agents in the community Languages EnglishEspañol Roadside assistance 1-877-762-3101 File a claim 1-800-332-3226 File your claim online Privacy policy | Security policy | Terms and conditions | Member rights | Underwriting companies | Producer compensation disclosure | Equal opportunity employer | Web accessibility policy | Site map © 2020 Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116 Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.