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Personal umbrella insurance provides extra liability coverage beyond your auto and home insurance to protect you if a covered loss results in a lawsuit.

When to consider umbrella insurance

The best umbrella policy for you considers any risks that may not be covered by your auto and home insurance policies.

While anyone can benefit from umbrella insurance, those who are exposed to more risks should absolutely consider it. Do you:

Own any significant assets in addition to your home

Coach kids’ sports

Own a trampoline or pool

Own a dog

Own rental property

Drive during rush hour or have a long commute 

Engage in sports that could injure others (e.g., skiing or hunting) 


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What a personal umbrella insurance policy covers

Here’s how umbrella insurance protects you with extra liability, personal injury and legal expense coverage.

Extra liability coverage

  • What is it? Coverage for claims that may not be covered by the personal liability coverage limits of your auto or home policy.
  • When you may need it: You cause a multiple vehicle accident and the costs exceed the limits on your auto insurance policy.

Personal liability coverage

  • What is it? Also known as defamation insurance, this protects you against claims of libel, slander, false arrest, character defamation and mental anguish.
  • When you may need it: You get into an argument with a neighbor and post about it on social media. Your neighbor sees the post and sues you for character defamation.

Legal expense insurance

  • What is it? This covers payment of legal fees and claims costs (such as medical payments) that are not covered by your home or auto policy but are covered by your personal umbrella policy.
  • When you may need it: You’re in a car accident and severely injure someone, requiring the person to have surgery and physical rehabilitation.

Before you add umbrella insurance

Your Grange home and auto policies must meet certain requirements before adding an umbrella policy. Work with your independent insurance agent to increase your insurance coverage, if necessary, when completing your umbrella insurance application.*

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Find peace of mind

With personal umbrella insurance, you don’t have to worry about the “what ifs.” Talk to your independent agent about adding this coverage today.

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*Minimum coverage limits for Auto Bodily Injury ($250,000/500,000) and Property Damage ($100,000) and Home Comprehensive Personal Liability ($300,000) are required to apply for Personal Umbrella. Some primary policies may need to meet additional minimum coverage requirements not listed.

Available coverages and discounts may vary by state. Please contact your Grange Independent Agent to discuss coverage details, discounts and eligibility requirements. For specific coverage details, always refer to your policy. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies.