Personal Umbrella Insurance
A personal umbrella policy is an affordable, extra layer of protection on top of your auto, home, boat or other personal insurance.
What is a Personal Umbrella Policy?
Think of it as extra liability insurance. If a major accident happens and your primary policy limits run out, your Hagerty umbrella insurance kicks in—helping cover legal fees, medical bills, and damages so your assets and future income aren’t at risk.
Here are just a few scenarios where umbrella coverage can make the difference:
- Car accident: You cause a crash with injuries totaling $500,000. Your auto policy covers $300,000. Your umbrella covers the remaining $200,000.
- At-home accident: A guest trips at your house and sues for $1 million. Your homeowners covers $300,000; your umbrella takes care of the rest.
- Life happens: Umbrella policies can also help with claims like libel, slander, or other legal actions not typically included in standard coverage.
Who Should Consider a Personal Umbrella Policy?
A personal umbrella policy is a smart move if you:
- Own a home, boat, or valuable assets.
- Have a teen driver in the household.
- Own pets (especially dogs)
- Rent out property or host frequent guests.
- Want to safeguard your savings and future earnings.
The Hagerty + RLI difference
Hagerty has partnered with RLI, a leader in umbrella insurance, to give you affordable, worldwide protection beyond your home, auto, or boat policy. Together we deliver reliable coverage, higher limits, and the peace of mind your lifestyle deserves.
Get your Personal Umbrella insurance quote
Through our trusted partner, we offer coverage that helps protect more of what matters.
Get a quoteHagerty coverage made easy
01.
Keep your existing auto and home policy
Many umbrella policies require you to bundle with the same insurer, but a Personal Umbrella Policy through Hagerty and RLI can stand alone, no matter where you’re insured.
02.
Take advantage of high policy limits
In addition to your primary cars, our Personal Umbrella Policy allows for up to 25 additional classic vehicles, often with coverage limits reaching as high as $5 million.
03.
Enjoy self-managed online service
Skip the phone conversation when you manage your account online.
Looking for more coverage?
Hagerty offers coverage for everything from specialty vehicles to boats to commercial storage and more. Check out a few of our most popular protection programs below:
Have questions? We can help.
Coverage is reviewed and evaluated based on the facts and circumstances of a specific claim as applied to the terms and conditions of the applicable policy.
Policies underwritten by RLI Insurance Company. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.
For more information about our underwriting carriers visit our Other Insurance Products Disclosure page.