FOR FAMILIES & INDIVIDUALS

Protect your personal assets

Protect your savings and secure your future with an extra layer of affordable personal umbrella insurance coverage from RLI.

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Not available to residents of Florida.
Already have a Personal Umbrella Policy? Make an online payment or manage your policy.

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For Agents & Brokers
If you're an agent or broker interested in offering Personal Umbrella to your customers, learn more about our wholesale Personal Umbrella offering. Existing agents: login to agent portal to get a quote.

Overview

Do I need a Personal Umbrella policy?

Life can sometimes throw you curveballs. A personal umbrella policy provides you with an extra layer of insurance above and beyond the existing limits of your homeowners and auto policies. Umbrella insurance covers injuries, property damage, certain lawsuits and personal liability situations.

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Extra protection for your home, car, boat or recreational vehicle

When your primary insurance reaches its payout limits, a personal umbrella policy kicks in to provide more coverage.

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Protect your savings & future earnings

A personal umbrella policy provides a safety net to cover large lawsuits that may leave your savings and future income depleted.

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Protect your assets against possible lawsuits or judgments

A personal umbrella policy provides expert legal representation and covers injuries, property damage, certain lawsuits and personal liability.

Coverage

An extra layer of insurance coverage

$1 million to $5 million in additional insurance
Keep your existing homeowners' and auto insurance policy
Mistakes happen - we understand. We allow up to one DWI/DUI per household

family entering their home through front door

A real life scenario

Here's just one example of how an RLI personal umbrella policy can be a safety net. When an RLI personal umbrella policyholder hired his friend to replace a dock on the lake behind his house, an accident occurred while removing some trees to get the old dock out of the water. Our policyholder used a backhoe and while knocking down one of the trees, a limb hit his friend.

Outcome: Our customer had homeowners' insurance, which paid out to its maximum limits. However, there was still a balance of $800,000 owed for medical expenses. The RLI Personal Umbrella policy paid the remaining $800,000, avoiding any out-of-pocket expenses for the policyholder.

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