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Umbrella Insurance

More Protection and Peace of Mind at an Affordable Price

You’ve got a nice home, two cars and steady jobs. Life is good. That’s why you need umbrella insurance from Safeco. For most families, it’s an essential level of insurance that goes beyond what your home and auto policies cover. An umbrella policy can provide an additional layer of protection, giving you broader coverage if you’re sued and peace of mind knowing you’re protected.

Umbrella Insurance Coverage Options

A Safeco umbrella policy protects you and your family anywhere in the world. Umbrella insurance is available in $1 million increments up to $5 million.

Learn more about umbrella insurance coverage.


File a Claim

A Safeco claims representative can be reached 24 hours and day, seven days a week.

Learn how to  file a claim.


Umbrella Insurance Discounts

Umbrella insurance is surprisingly affordable. For less than a dollar a day, you can gain this extended liability coverage to protect yourself and your family. A discount is available in most states if you also have Safeco homeowners insurance.

Learn how to save with umbrella insurance discounts.


Do More.®

Worry less knowing you have the extra protection of umbrella insurance. Allow yourself time to get more out of life. We’ve got you covered.

From the Safeco Blog
Do You Need Umbrella Insurance?


Umbrella Insurance FAQ

Get answers to your questions about umbrella insurance.

Read frequently asked questions about umbrella insurance.


Why Choose Safeco Umbrella Insurance

Discover all the reasons why Safeco Insurance is the right choice for you. We make insurance easy.

Infographic: What Your Safeco Umbrella Policy May Cover


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Prevent Identity Theft

Umbrella Insurance - Additional Protection for More Peace of Mind 

Umbrella Insurance Reviews

Umbrella Insurance is rated 4.0577 out of 5 by 52.
Rated 5 out of 5 by from Exceptional service! My experience with Safeco has been exceptional. I had to make a claim and they were professional, fair and highly efficient in their service. Additionally, they provided information of other insurance options to suit my needs at a reasonable rate. It is refreshing to work with an ethical company.
Date published: 2016-02-02
Rated 3 out of 5 by from Great Service But Insite Of Product Weak Hello, I feel the product for Umbrella Insurance to be good , I just felt the information about it was a little weak. More attention to Customer Education on Services offered, And continued thought for discounts especially with long time Customers is a must. Regards
Date published: 2016-01-11
Rated 5 out of 5 by from 1st time buyer From the moment that I started contacting Safeco Insurance about my needs, they were very helpful and professional on all our conversations. They never had to stop and think about their products there was always an immediate answer. I really enjoyed our time on the phone every time we talked.
Date published: 2015-12-17
Rated 2 out of 5 by from some confusion see the next block. I am not happy with the additional computer requests. In my opinion no further action should have been necessary after the phone call.
Date published: 2015-11-12
Rated 5 out of 5 by from Betrter than I expected The Safeco agent I spoke with was able to provide me with better service than I had and at a lower cost to me.
Date published: 2015-11-09
Rated 1 out of 5 by from Not impressed Started off well, but ended with disappointing overall service. I purchased a new vehicle and inquired about an umbrella policy. The agent was very helpful and advised I would need to increase my liability on my auto policy, which I did. She then indicated she would send a notice to have an agent contact me about the umbrella policy. The agent contacted me a few days after and then advised he could not help me since I was in California, but that another agent could do this with Safeco. Odd that since my vehicle and home (both insured with Safeco) are listed in California that he 1) would not know this before calling me and 2) why would the request go to him to respond on the umbrella if he could not book the policy. A few days after, I received a letter saying I do not qualify for the umbrella policy, which is very odd since I have been with Safeco for approximately 7 years. When I called to make a change to my auto policy I asked if they knew the reason for the decline, and she was not aware. I spoke with the home policy agent and she did not now either. She said she would reach out to the underwriters to find out, since per her review it showed I was qualified. I still have not received a call back to date. Even though I've been with Safeco for a number of years, I think now is the time to look for other insurance that actually wants my business and is responsive.
Date published: 2015-11-09
Rated 5 out of 5 by from Great service Good service and knowledgeable people.Alway looking for ways to improve my insurance coverage.
Date published: 2015-10-19
Rated 1 out of 5 by from Still messed up! I have probably gotten six different online doc you sign requests for my umbrella policy, and everyone of them is incorrect! It keep showing three automobiles and one recreational vehicle, where it should be two automobiles and one recreational vehicle. This makes the pricing show as too high, so I still don't know what I really have.
Date published: 2015-10-15
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© 2016 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.