Umbrella coverage that's actuallyclearfairyoursplainclear
An extra million in liability sits over your auto and home for not much a month. We explain when it earns its keep and shop it across 20+ carriers, no pressure.
Umbrella coverage, line by line.
What an umbrella adds on top of the liability you already carry.
| Coverage | What it covers | Good to know |
|---|---|---|
| Excess liability | Limits that sit above your auto and home liability | Kicks in when the underlying policy runs out |
| Bodily injury to others | Serious-injury claims that blow past your auto limits | One bad accident can exceed a standard policy |
| Property damage to others | Damage you cause beyond your underlying limits | Sits over both auto and home |
| Personal injury | Libel, slander, and certain lawsuits | Coverage many standalone policies leave out |
| Legal defense | The cost of defending a covered suit | Often outside the limit, ask us to confirm |
| Worldwide coverage | Liability that follows you, not just your address | Useful for travelers and second-home owners |
An umbrella requires you to carry set liability limits underneath it. We line those up so the layers actually connect.
Not sure how much umbrella you need? Send us your policies and we will size it, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Umbrella coverage, answered.
The questions people ask before they add a layer.
If your assets are worth more than your auto and home liability limits, an umbrella is usually worth a look. A teen driver, a pool, a dog, or rental property all raise the odds you would want one.
Enough to sit over your real net worth and future income, not a round number. We size the layer to your assets and the limits it has to coordinate with underneath.
An umbrella requires minimum liability limits on the policies beneath it, so the two connect cleanly. We adjust the underlying coverage so there is no gap between them.
It is liability only. It does not pay for your own property, your own injuries, or business exposures, those need their own coverage. We map which is which.
An extra million in coverage is cheaper than most people expect, because it only pays after the underlying policy is exhausted. We will lay out the options across the carriers we shop.
Ready when you are
Send us your home and auto. We will tell you whether an umbrella fits, free.
Umbrella sits over
Auto insurance
Your umbrella stacks over auto liability. We make sure the limits line up.
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