Personal Umbrella Insurance in Chicago
Additional personal liability protection above qualifying underlying auto, home or other policies, subject to eligibility and policy requirements.
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A personal umbrella policy is additional liability protection that sits above qualifying underlying policies such as auto and home. If a covered liability claim exceeds the underlying limit, the umbrella may respond up to its own limit.
It is not standalone coverage. Eligibility depends on the underlying policies you already carry and on the insurer's minimum-limit requirements, which is why an umbrella conversation usually starts with a look at your current declarations pages.
What this coverage may include
Additional liability limits
Coverage above the limits of qualifying underlying auto, home or other policies, subject to the umbrella's terms.
Bodily injury and property damage
Amounts you are legally responsible for that exceed the underlying policy limit, up to the umbrella limit.
Certain personal injury claims
Some policies extend to defined personal injury offenses, subject to the policy's terms and exclusions.
Legal defense costs
Defense may be provided for covered claims, often in addition to the limit, depending on the policy.
Who may benefit from this coverage
- Households whose assets or future income exceed their current liability limits
- Families with teen or young household drivers
- Owners of rental property or a swimming pool
- People who host frequently or serve on a nonprofit board
- Anyone who has already raised auto and home liability to the top of what those policies offer
Coverage decisions worth thinking through
Underlying limit requirements
Umbrella policies generally require minimum liability limits on the auto, home or other underlying policies. Sometimes those need to be raised first.
Every exposure has to be listed
Additional vehicles, rental properties, watercraft and household drivers generally need to be scheduled on the underlying policies.
What umbrella coverage does not do
It generally does not cover damage to your own property, your own injuries, intentional acts or business activities.
How much additional limit to consider
Umbrellas are typically written in increments starting at $1 million. The right number depends on what you would want protected.
Why work with the Joe Schneider Agency?
The agency has served Chicago since 2005 from its office on North Avenue, and Joe and his team bring more than 20 years of local experience to conversations like this one. We explain options in plain English, review what you already have, and leave the decision with you.
More than 800 customer reviews across Google, Yelp and the agency website. Read customer reviews
The Joe Schneider Agency is licensed to sell insurance in Illinois, Indiana and Wisconsin.
Coverage availability varies by product, location, eligibility and underwriting requirements. Some products may be offered or issued by third-party insurance providers.
Things people ask us about this coverage.
Who should consider umbrella coverage?
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People who want liability limits above what their auto or home policy provides. Eligibility depends on the underlying policies and the insurer's requirements.
Are there requirements to qualify?
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Yes — umbrella policies generally require minimum liability limits on the underlying auto, home or other policies. We will review yours before quoting.
Does an umbrella cover my own property damage?
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Generally no. It is liability coverage, so it responds to amounts you are legally responsible for to others rather than to damage to your own property.
Does it cover my business?
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Personal umbrella policies generally exclude business activities. A business would typically need commercial coverage instead.
What do you need from me to quote one?
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Your current auto and home or renters declarations pages, a list of household drivers, and details on any rental property or watercraft you own.