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Does your family need an umbrella?

An umbrella is insurance for your insurance. At a reasonable cost, you can be prepared for unfortunate situations that aren't fully covered by your home or auto insurance policies. Real life examples shared with insurance agents include:

You hit a driver in her 30s with a long career ahead of her. If she sues you and claims her injuries prevent her from continuing to earn her current income, you might end up with the bill for lost wages as well as her potential loss of income.
You host a paintball party in your backyard for your kids and their friends. One removes her headgear and is injured with a paintball. Your legal and medical bills could be huge – even if you advised everybody on proper safety procedures.
You own a rental property and a tenant claims he suffered lung damage from black mold found in his apartment. He successfully sues you for losing his track scholarship to a four-year college.

Umbrella coverage FAQs

Can I just use umbrella coverage by itself?

No, it always covers an auto or home insurance policy. For instance, if you don't carry auto insurance, you won't be able to apply umbrella coverage if you're held responsible for an accident.

Does an umbrella only cover situations where I reach payout limits?

There are some situations where it actually provides coverage your primary policy doesn't. For instance, if a non-family member without a driver's license takes your car for a joyride and injures others, your auto insurance may not cover it, but an umbrella could. A licensed Mylo agent can review the specifics with you.

How much will umbrella coverage pay out?

Policies typically pay out around $1 million in additional coverage, which can make all the difference in keeping your household solvent.

Does it help with other personal insurance needs such as flood damage to my home?

No, it only covers you if you're sued for damages by someone else.

How do I shop for an umbrella with Mylo?

Just answer a few questions about your house or car, and our Mind of Mylo™ AI recommends your ideal coverage and lets you compare quotes from leading insurance carriers to find your best value. You can shop online or over the phone with a licensed advisor and receive the same personalized recommendation.

The right coverage? Surprisingly simple.

Enjoy an extra level of protection for your home, savings and other valuable assets.

Umbrella coverage is a surprisingly affordable add-on to your auto and home insurance that protects your finances if you're hit with a serious lawsuit and reach the limits of those policies. It's no fun to think about, but a significant accident could put you at risk for losing your:

Savings
Home, car(s) and valuables
Current earnings
Future earnings (yes, these can be garnished)