Umbrella insurance.
21,732 independent agencies across the country are licensed to write umbrella insurance. Tell us what you need once and we route your request to a licensed independent agent who can compare household coverage from multiple carriers — not just one.
What umbrella insurance can cover
- Excess liability above home/auto limits
- Bodily injury liability
- Property damage liability
- Landlord liability (scheduled rentals)
- Defense costs
- Worldwide coverage (per policy terms)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Umbrella insurance by state.
Pick your state to see local independent agencies and request quotes.
What does homeowners insurance cover?
A plain-language breakdown of what a standard homeowners policy covers — dwelling, belongings, liability, and the big exclusions like flood.
Read the guide →Frequently asked questions
How does an umbrella policy work?
It sits above your underlying home and auto liability limits and responds after they're exhausted. Carriers require minimum underlying limits — an agent lines those up.
Who actually needs one?
Common fits: rental property owners, households with young drivers, pools, boats, or meaningful savings to protect. An agent can talk through your exposure honestly.
Does it cover my rental units?
Umbrellas can often schedule rental properties above a landlord policy. An agent can confirm how many units a carrier will accept.
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.