Umbrella Insurance

Personal Umbrella Insurance

Umbrella Insurance, explained clearly.

An added layer of liability protection when a serious accident or lawsuit exceeds the limits of your underlying policies.

Complete OnlineDownload QuestionnaireExplore Coverage

What your policy can protect

Coverage is not one-size-fits-all. We compare options and explain the tradeoffs before you choose.

1

Extra liability limits

Umbrella coverage sits above qualifying home, auto, rental-property, boat, or other personal liability policies.

2

Serious auto accidents

A major injury claim can exceed ordinary auto limits quickly, especially with multiple vehicles or youthful drivers.

3

Home and lifestyle risks

Pools, dogs, entertaining, rental properties, household employees, and frequent guests can increase liability exposure.

4

Boat and recreational exposures

Many umbrellas can extend over eligible watercraft or recreational policies when required underlying limits are maintained.

5

Legal defense

Policies commonly include defense provisions, but wording, covered claims, and costs vary by carrier.

6

Personal injury claims

Some policies may address libel, slander, or invasion-of-privacy claims, subject to exclusions and policy language.

Smart steps before you buy

A few details now can prevent surprises at claim time.

✓ Keep every underlying policy with the limits required by the umbrella carrier.
✓ Tell your agent about all vehicles, drivers, homes, rentals, boats, and recreational exposures.
✓ Review coverage after buying property, adding a youthful driver, hiring household help, or acquiring a boat.
✓ Umbrella insurance is not a replacement for home, auto, or boat coverage.

Common questions

How much umbrella insurance should I consider?

Consider your assets, future income, household risks, properties, vehicles, drivers, and comfort level. Many policies start at $1 million.

Does it cover everything?

No. Business activities, intentional acts, certain professional exposures, and other exclusions may apply.

Why do underlying limits matter?

The umbrella is designed to begin after an eligible underlying policy reaches its limit. If required limits are not maintained, you may face a coverage gap.

Coverage, eligibility, limits, deductibles, and availability vary by carrier and policy. This page is educational and does not change or guarantee coverage.

Let’s build the right protection.

A licensed MAD Insurance advisor can compare available options and explain them in plain language.

Request a Quote

Choose how to complete your questionnaire

Complete the online form below, or download the blank, fillable two-page PDF. Save your completed PDF and email it to [email protected].

Download Fillable PDF

For best results, download the PDF and open it in Adobe Acrobat Reader. Completing either option requests a quote and does not bind coverage.

Personal Umbrella Questionnaire

Complete the household, driver history and underlying insurance questions below so MAD can review your personal umbrella options. Enter 0 where none.

Personal Umbrella - Household Questionnaire
SECTION 1

Applicant information

Complete this questionnaire for your entire household. Enter 0 where none. This carrier application permits up to two individual named insureds who live in the same household; it cannot be issued in the name of an estate, trust or LLC.

Use MM/DD/YYYY, or write Please advise.
SECTION 2

Household, vehicles and drivers

Include all household drivers, including anyone with a learner's permit or valid driver's license.

Enter 0 if none.
Enter 0 if none.
Enter 0 if none.
Enter 0 if none.
Include drivers with a learner's permit or valid driver's license.
Include drivers with a learner's permit.
Enter 0 if none.
SECTION 3

Driving history and additional exposures

Use totals for all household drivers. Note the different lookback periods in each question.

Include DWI/DUI violations within the last 5 years. Enter 0 if none.
Enter 0 if none.
Maximum 25. Enter 0 if none.
Maximum 5. Enter 0 if none.
You may enter a decimal. Enter 0 if none.
Enter 0 if none.
Enter 0 if none.
Enter 0 if none.
Enter 0 if none.
SECTION 4

Coverage request and underlying insurance

Share the limits you would like quoted. MAD will confirm carrier requirements and available options.

Enter the limit, or write Please advise.

Required underlying auto liability - Limit A

$500,000 bodily injury per person / $500,000 bodily injury per occurrence / $50,000 property damage per occurrence, OR $500,000 combined single limit per occurrence.

All household drivers must agree to maintain these minimum limits for all automobiles owned (titled or registered to), leased, rented, operated or acquired during the policy period by you or any household member. This also applies to personal use of an automobile covered by a commercial auto liability policy.

If Excess UM/UIM coverage is selected, the underlying UM/UIM policy limits must equal the required underlying auto liability limits. These are the requirements shown in this carrier application; MAD will confirm the requirements for your quote.

Use this space for other requested limits or explanations. Contact MAD to provide current auto and home liability declarations pages.

Ready for MAD to review?

Review your answers, then submit. This is a quote request and does not bind coverage or change an existing policy. Need help? Call 954-541-9232.

We use the information you submit to respond to your request and provide insurance services. Please review our Privacy Notice and Website Disclaimer. Submitting this form does not bind coverage or change an existing policy. An authorized representative must confirm coverage and policy changes. Contact us before submitting Social Security numbers, payment card details, or sensitive medical records.

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