Umbrella
Do I need umbrella insurance?
You likely need umbrella insurance if a serious lawsuit could reach more than your home and auto liability limits — which is true for most homeowners with equity, savings or a teenage driver. The umbrella adds $1 million or more above those limits.
The five-question test
Short answer: Answer yes to any one and an umbrella is worth pricing.
- 1Is your net worth (including home equity) more than your liability limits?
- 2Is there a teen driver in the household?
- 3Do you own a rental property?
- 4Do you have a pool, trampoline, dock, boat or dog?
- 5Do you coach, volunteer, serve on a board or post often in public?
Try the umbrella sizer or read umbrella insurance in Washington.
Keep exploring
- Umbrella insuranceUmbrella insurance adds $1 million or more of liability protection above your home and auto policies. What a personal umbrella policy covers, who needs one, and how much to buy.
- Umbrella sizer
- Home + auto bundleBundle home and auto insurance with a local Federal Way agent. When bundling saves money, when it doesn't, and how home + auto + umbrella work together.
Ready when you are
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