Umbrella coverage. Extra protection with zero gaps.
Extra liability protection when you need it. Learn more about umbrella insurance with Nobile.
What does an umbrella policy cover?
A personal umbrella policy keeps you covered when your standard liability limits aren't enough. It helps cover medical bills, legal fees, and repair costs from serious incidents. Whether it's a major car accident, someone getting injured on your property, or claims like slander and libel, umbrella coverage gives extra protection that your other policies may not fully cover.
Finding the right coverage at the right price shouldn't be complicated. At Nobile, we make it easy to get coverage that works for you.
See more on personal umbrella and excess liability coverage on Mass.gov.
The cost of umbrella insurance
Last updated April 2026 | Some information sourced from Mass.gov
Premiums for umbrella insurance can vary based on several factors, but you can expect to pay anywhere from $100 to $2,000 a year for coverage. Here are some of the most common ways your premium may be impacted.
Amount of Coverage
The amount of coverage you buy will affect the price you pay. At Nobile, we write umbrella policies up to $5 million. Typically, $1 million dollar umbrella policies are only a few hundred dollars.
Assets Owned (Homes & Vehicles)
The number of houses, cars or boats owned will affect your overall risk and the overall price you pay.
Limits Required on Other Policies
The higher the limits required on your auto, home, and other policies are, the lower your umbrella premium will be. Some carriers require specific BI limits on your policies in order to qualify for umbrella coverage.
Incident History
If you have a history of incidents involving lawsuits, this may be used to calculate your premium.
Driving Record
Having a poor driving history can affect the cost of umbrella coverage or be a factor in rejecting your submission for an umbrella policy.
Umbrella Insurance FAQs
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If you own a home, drive a car, or have savings and assets you want to protect, umbrella insurance is worth considering.
A standard auto or homeowners policy only covers so much, and if you're found liable in a serious accident or lawsuit that exceeds those limits, you could be responsible for the rest.
An umbrella policy fills that gap for just a few hundred dollars a year.
Consider umbrella coverage if you:
Own property or rent to tenants.
Have a pool, trampoline, or dog.
Drive frequently or have teen drivers in your household.
Have significant savings, investments, or retirement funds.
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Premiums for umbrella insurance can vary based on several factors, but you can expect to pay anywhere from $100 to $2,000 a year for coverage.
Typically, umbrella policies are written with a $1 million limit and cost a few hundred dollars per year.