Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Sep 15, 2020

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You and your husband are getting some good advice. The excess umbrella policy provides additional liability protection in addition to your home and auto insurance, as well as boats and rental properties. The policy is written in increments of $1,000,000 and the premium is based on the number of exposures (homes, rentals, autos, boats, etc). The additional liability protection can provide you with a peace of mind in the event of a major liability loss. For example, being a landlord can expose you to potential liability losses such as wrongful eviction. While this may be covered by your primary liability, the additional dollar amount of protection can be invaluable. Sometimes the umbrella policy even covers liability exposures that are not covered by the primary policy.

You will be required to carry certain limits of liability on the home, auto, boat and other policies to qualify for the umbrella. In addition, your driving record can affect the costs and eligibility for this policy. Talk to your agent about eligibility and pricing, although the cost of an umbrella policy is fairly nominal and can provide you with much greater protection.