umbrella insurance

More protection and peace of mind at an affordable price.

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

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Umbrella Insurance Discounts & Savings
Homeowners Discount
Qualify for a lower Homeowners Insurance rate in most states when you also have an Umbrella Insurance policy with Safeco.

Talk to your local independent agent about ways in which you can lower how much you pay for insurance.
Frequently Asked Questions
+What is umbrella insurance?-What is 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?-When would I need umbrella insurance?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?-How much coverage do I need?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 independent agent for advice on the amount of coverage that’s right for you.
+Can I get just an umbrella policy?-Can I get just an umbrella policy?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 independent agent for more information about adding the extra protection of umbrella insurance.

Find a Local Independent Agent
A local independent Safeco agent can help you discover the Umbrella Insurance coverage you need to fit your unique situation.