Get a Quote


Now
Quote With a Local Agent
Now

Umbrella Insurance FAQ

Answers to frequently asked questions about Safeco umbrella insurance.

What is umbrella insurance?

Umbrella insurance is a secondary coverage that protects more than one property or asset with an extra layer of liability protection. It kicks in when your underlying or primary policy doesn't provide sufficient liability protection. A Safeco umbrella policy provides an additional layer of liability protection that can be used with any of your other Safeco policies or even any policy from another insurance company including your boat, motorcycle, all-terrain vehicle and snowmobile.

For example, if the liability limits are exhausted on your auto insurance, your umbrella insurance would take over and provide you with additional protection of at least $1 million or up to the level of coverage you purchased. If you have $500,000 liability coverage on your auto policy and $1 million umbrella coverage, your total auto liability coverage is increased to $1.5 million.

When would I need umbrella insurance?

Imagine if your dog were to bite a neighbor's child. Or if there's an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets—or your future earnings.

How much coverage do I need?

A lot of factors determine the amount of coverage you need. Your financial status, lifestyle, and existing coverage are all relevant, but in liability lawsuits, a judgment could exceed your net worth. Talk to your local Safeco agent for advice on the amount of coverage that’s right for you.

Can I get just an umbrella policy?

To qualify for Safeco umbrella insurance coverage, you must also carry Safeco auto insurance with a certain amount of liability coverage. Other policies you have must meet certain minimum liability coverage levels and other conditions may also apply. Talk to your local Safeco agent for more information about adding the extra protection of umbrella insurance.

Build Your Quote
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.