Extra protection with 0 gaps.

Umbrella insurance. Extra liability protection when you need it.

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 May 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.

See our disclaimer.

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.

See more on how to improve your SDIP score.

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"I've been a loyal customer of Nobile Insurance Agency for over 40 years, and that alone says a lot. Whether it's home, auto, or any other coverage, they've always made the process clear and easy. It's rare these days to find a company that still values long-term relationships, and Nobile absolutely does.

— Dee N. (Current Client & Verified Google Review)

“I have been with Nobile for over 15 years and they have handled both my personal and business insurance coverage. They have always gotten me everything I requested in a timely manner. Highly recommend them for your insurance needs.”

— Doreen G. (Current Client & Verified Google Review)

"So helpful and knowledgeable. My family has been using this agency for so long, I have to say for over 30 years. Each time I call them, I'm met with professionalism, helpfulness and knowledge. They know exactly what they're doing and always deliver exceptional service. Highly recommend!"

— Lisa G. (Current Client & Verified Google Review)

Here’s how it works.

1

Fill out a smart form.

On our free quote page, select a smart form option and we'll review your coverage and premium to improve or adjust it based on your needs. This lets us check for discounts and quickly compare rates across our carriers to find you the best price.

No policy? No problem. Just select "No" when asked and we'll get started.

2

We'll match you with a carrier.

We'll pair you with a carrier that offers the best combination of protection, price, and reliability. After we find the right fit, we'll send over a quick application for you to review and sign.

3

You're all set.

Once your application is complete, you'll receive proof of coverage and be fully insured. From there, we'll always be around to help with policy updates, claims, and anything else that comes up.

Already insured? No problem. We’ll review your coverage and compare rates to find you the best price.

Quotes are 100% free. No payment upfront needed.

Personal Umbrella Insurance FAQs

  • 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.

  • 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.

  • Umbrella coverage kicks in when the liability limits on your home, auto, or other underlying policies are exhausted. It covers things like bodily injury claims, property damage you cause to others, personal injury claims like defamation or invasion of privacy, and your legal defense costs.

    Some umbrella policies also cover situations that your underlying policies don't, so it can actually fill gaps in your existing coverage too. What it does not cover is your own injuries, your own property damage, or intentional acts.

  • Anyone with meaningful assets worth protecting should consider it.

    That said, some situations create more exposure than others. Landlords, homeowners with pools or trampolines, people who coach youth sports or volunteer in leadership roles, boat owners, and anyone with a long commute or teen drivers on their policy are all good candidates.

    If you could be held liable for a serious injury or lawsuit and your current limits wouldn't fully cover it, umbrella is worth having.

  • A personal umbrella policy may extend some coverage to rental properties, but it depends on your specific policy and carrier.

    If you own multiple rental properties or have significant landlord liability exposure, a commercial umbrella policy may be a better fit.

    Ask us about it and we'll make sure your coverage actually matches what you own.

  • Yes. Umbrella policies require you to carry underlying policies, typically auto and home or renters, that meet minimum liability limits before the umbrella kicks in. If your underlying limits are too low, your umbrella coverage may not respond the way you expect.

    When we write an umbrella policy for you, we make sure your underlying policies are structured correctly so there are no gaps.

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