Your safety net,
amplified.
Umbrella insurance wraps an extra layer of liability protection around everything you already have — so a single lawsuit can't wash away your savings.
How umbrella insurance works
When your existing auto or home policy hits its limit, your umbrella policy kicks in to cover the rest — plus legal fees.
Example scenario
You run a red light and T-bone another car. The repairs cost $25,000, injuries total $275,000, and the other driver — an orthodontist — sues for $200,000 in lost earnings. You owe $500,000.
Auto policy covers
$300K
Without umbrella
-$200K
out of pocket
With bubl umbrella
$0
you pay nothing extra
What's covered
Your umbrella covers claims involving anyone in your household — including kids and pets.
Bodily Injury
Covers medical bills, lost wages, and funeral expenses when someone gets hurt on your property or because of something you did.
"A houseguest falls down your stairs and sues you for medical bills plus pain and suffering, exceeding your homeowners liability limit."
Property Damage
Pays for repairing or replacing someone else's tangible items — vehicles, household goods, and more.
"Your teenage son drives off the road into someone's house, causing hundreds of thousands of dollars in damage."
Personal Injury
Covers claims involving slander, libel, false arrest, wrongful eviction, and invasion of privacy.
"A restaurant sues you for defamation after you write a negative review online."
Landlord Liability
Extra liability coverage beyond your underlying landlord insurance for rental properties you own.
"A tenant slips on an icy sidewalk outside your rental property and sues you for failing to maintain the property."
Legal Costs
In addition to paying damages, your umbrella policy covers associated legal defense costs — even up to the full policy limit.
"Someone sues you for $1 million. Your insurer pays the damages plus provides your full legal defense."
Who needs umbrella insurance?
Consider an umbrella policy if you:
- Own property or significant assets
- Have a teen driver in your household
- Own a pool, trampoline, or dogs
- Are a landlord
- Coach kids' sports teams
- Often host parties at your home
- Take part in sports where you could injure others
- Are a public figure or serve on a nonprofit board
What's not covered?
Umbrella insurance typically won't cover:
- Your own injuries or property damage
- Business-related liability
- Breach of contract disputes
- Crimes or deliberate injury
- Certain boating incidents
Frequently asked questions
Bundle & save up to 25%
Combine your coverage into one bubl and pay less for more protection.
Add the ultimate safety net
Starting around $200/year for $1 million in coverage. Bundle with your home and auto for even more savings.