Get your umbrella quote


Umbrella insurance is liability protection that goes above and beyond your underlying auto, home and boat policies. If you're found legally liable for bodily injury or property damage that exceeds your policy liability limits, your umbrella policy kicks in and pays for those excess costs up to the limits of the umbrella policy. You can buy umbrella insurance at limits of up to $5 million.

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Adding Another Layer of Defense

If you own a home, rental property or other high-value assets, umbrella insurance is a good way to get even more peace of mind.


To qualify for umbrella insurance, you must have both your auto and home insurance with PEMCO. Your auto liability levels must be at least $250,000/$500,000 for bodily injury and $100,000 for property damage. You also must carry homeowner liability limits of $300,000.

For yet another layer of protection, consider adding the umbrella policy endorsement for uninsured/underinsured motorist coverage which pays the excess after your auto policy’s uninsured/underinsured motorist coverage limits have been exhausted. To be eligible for the endorsement, the following uninsured/underinsured bodily injury minimum limits are required on your underlying auto policy: uninsured/underinsured motorist bodily injury $500,000 each person/$500,000 each occurrence. This coverage is available with a limit of $1,000,000 on an umbrella policy.

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Small Price for Big Peace of Mind

Depending on where you live and the people and assets being covered, the cost of a $1 million policy could start as low as a couple hundred dollars a year. You can get a free umbrella insurance quote from your local PEMCO agent.