Umbrella insurance from Blake Sims, your local GEICO agent.
Umbrella insurance picks up where auto and home liability stop. The quiet shield against the worst day, the largest claim, the longest lawsuit.
What umbrella actually does:
It sits silently above your other policies. You hope you never need it. When you do, it's the most important policy you own.
- Excess LiabilityStandard
Say a court awards $1.2M and your auto policy caps at $300K. Umbrella covers the difference, up to the policy limit. - Legal Defense CostsStandard
Even when you're not found liable, defending a lawsuit costs money. Umbrella pays attorney fees, court costs, and expert witnesses. - Personal Injury CoverageBroader scope
Umbrella policies generally extend to claims like libel, slander, and defamation, which standard auto and home policies typically exclude. Specifics vary by policy. - Travel CoverageBroader scope
Many umbrella policies follow the policyholder when traveling, depending on the policy terms. One of the features industry guides typically associate with umbrella products. - Family CoverageHousehold
Umbrella typically covers household members too, including the teenage driver. That is often exactly when families add it. - Cost StructureBy the numbers
According to industry data, $1 million umbrella policies typically start around $200 a year, with each additional $1M adding roughly $75. We can run your numbers.
Umbrella, by the numbers:
Verifiable facts about lawsuits, settlements, and the economics of excess liability. Whether umbrella makes sense for you is what we're here to figure out together.
- 13% · Settlements over $1M. Roughly 13% of personal injury liability awards and settlements reach $1 million or more. Source: Trusted Choice industry data.
- $200 · Typical annual cost. $1 million in personal umbrella coverage typically starts around $200 per year. Source: NerdWallet, 2026.
- 25/50/25 · What minimums leave exposed. Tennessee, Mississippi, and Arkansas all cap minimum liability at $50K per accident. A single serious injury claim can pass that in days. Source: State insurance departments of TN, MS, and AR.
- $75 · Cost per additional $1M. Each additional $1 million of umbrella coverage typically adds about $75 per year. The math gets better as the limit goes up. Source: industry data, 2026.