The Reality
Your home and auto
policy have a ceiling.
Most homeowners carry $300,000 in liability coverage. That sounds like a lot — until a jury awards $2.4 million in a lawsuit against you. The gap between what your policy covers and what you owe comes directly out of your pocket.
A personal umbrella policy kicks in the moment your underlying coverage runs out. It's an extra layer of protection — $1 million, $2 million, even $10 million — that sits above your existing policies and covers you when it matters most.
The Coverage Gap — Without an Umbrella
Home equity, savings, retirement accounts, future wages — all at risk.
With a $3M Modern Umbrella Policy
Real-World Scenarios
It could happen to anyone.
Even you.
These aren't rare edge cases. They're the kinds of accidents that happen every day in neighborhoods just like yours. Toggle each card to see what happens with — and without — an umbrella policy.
You host a neighborhood gathering. A guest is overserved, drives home, and causes a fatal accident. The victim's family sues you for social host liability — arguing you served alcohol to a visibly intoxicated guest.
Your homeowners policy pays its $300,000 liability limit. The remaining $2.9 million judgment is yours to pay. Your home is forced into sale. Your retirement savings are garnished. Your wages are attached for years.
You rear-end a vehicle at a stoplight while distracted. The other driver suffers a traumatic brain injury requiring years of rehabilitation and can no longer work. Their attorney files a $2.4 million lawsuit for medical costs, lost wages, and pain and suffering.
Your auto policy pays $300,000 — its limit. You personally owe the remaining $2.1 million. A court judgment is entered against you. Your home equity, bank accounts, and future income are all fair game for collection.
A neighborhood child sneaks into your backyard pool while you're away and suffers a near-drowning. The child survives but has permanent neurological damage. The family sues you for $4.5 million, arguing your pool was an 'attractive nuisance' without adequate fencing.
Your homeowners policy covers $300,000. You personally owe $4.2 million. The judgment follows you for decades — your home is sold, your savings are liquidated, and a portion of every paycheck is garnished until the debt is satisfied.
Coverage Details
Everything your home and
auto policy leaves behind.
A personal umbrella policy covers a remarkably wide range of liability situations — many of which your existing policies don't touch at all.
What's Covered
What's Not Covered
Who Needs It Most
Pricing
Less than a cup of coffee.
Every single day.
Personal umbrella is one of the best values in insurance. Here's what real coverage costs.
The Process
Covered in 4 steps.
Under 5 minutes.
Your Info
Name, address, date of birth. That's it. No credit check, no application.
Connect Policies
Link your existing home and auto policies in one click. Data fills in automatically.
Choose Your Limit
Pick $1M to $10M. See your annual premium update live as you choose.
You're Covered
Review and buy. Policy documents arrive in your inbox within minutes.
Real Customers
Peace of mind. In minutes.
"I bought my policy in about 4 minutes. I've been meaning to get umbrella coverage for years and just kept putting it off. This made it so easy I had no excuse."
"We have a pool and two teenagers. Our financial advisor told us we absolutely needed umbrella coverage. I found Modern Umbrella and was covered before I even finished my coffee."
"After a friend of mine got sued for a car accident and nearly lost his house, I got serious about umbrella coverage. This was the fastest and most painless insurance purchase I've ever made."