ShieldWhat a single lawsuit costs
Average Personal Injury Verdict
13% of awards exceed $1M — often from incidents on your property.
Median Slip-and-Fall Settlement
A wet deck, an uneven step. One guest. One lawsuit.
Average Dog-Bite Liability Claim
Up 86.1% since 2015. Your homeowners cap: $100K–$300K.
Standard homeowners liability caps out at $300K–$500K. Your accumulated assets are exposed to everything above that line.
What it costs to close that gap
A $2M personal umbrella policy.
That's less than $1 per day to place $2,000,000 of liability coverage above your existing policies — across your home, rental, boat, and vehicles.
The asymmetry
avg. verdict exposure
annual premium
No call required. No credit card. Delivered to your inbox.
The Promise
Your assets stay untouchable.
Every asset you've spent forty years building — the lake house, the brokerage account, the rental duplex, the boat slip — sits exposed above your standard liability caps. The umbrella layer closes that gap completely.
The Proof
Standard homeowners cap
$300K
Average personal injury verdict
$1.2M
Your exposure without umbrella
$900K
A $2M umbrella absorbs that entire gap — and everything above it — for less than a monthly utility bill.
Real scenarios — your coverage gap, filled
Gold bars represent umbrella coverage absorbing liability above standard policy limits. All scenarios based on published industry settlement data (2024).
The Promise
Carrier-rated pricing, no surprises.
We quote your coverage against three A-rated carriers simultaneously. You see the spread. You choose. No captive-agent markup, no preferred-carrier kickbacks.
Financial Strength
Financial Strength
Financial Strength
Chubb
High-Net-Worth Households
The preferred carrier for households with $3M+ in accumulated assets. Master-policy consolidation across all properties.
AIG Private Client
Multi-Property Portfolios
Specialized underwriting for retirees with rental income properties, vacation homes, and watercraft.
Pure Insurance
Reciprocal Exchange Model
Member-owned structure returns surplus to policyholders. Average member return: 22% of premium in profitable years.
Rates shown are illustrative for a single-home, two-vehicle household. Your actual quote depends on total assets, property count, and current underlying limits.
The Stack
Four guarantees. Each one backed.
No coverage gaps.
We map every asset you own against your existing policy limits before recommending a coverage amount. Properties, vehicles, watercraft, and rental units are each accounted for individually.
No rate surprises.
Your umbrella premium is locked at binding for the full policy term. We quote all three carriers simultaneously so you see the spread — not just the one we prefer.
No medical underwriting.
Personal umbrella policies do not require a health exam or medical history. Your age and health status have no bearing on your eligibility or your premium.
Bundling savings passed to you.
Keeping home, auto, and umbrella with the same carrier typically reduces total premium by 10–15%. We negotiate that multi-policy discount before presenting your final quote.
Free Report
See your coverage gap in numbers.
Enter your estimated total assets and current liability limits. We'll generate a personalized one-page gap analysis — delivered to your inbox in minutes. No call required. No credit card. No agent until you're ready.
Your exact liability exposure in dollars
The umbrella coverage amount we recommend
Side-by-side quotes from 3 A-rated carriers
Annual premium estimate for your asset profile
Ready to bind today?
Talk to an Advisor