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protect your financial assets with Safeco® umbrella insurance

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get your insurance quote today!

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life is unpredictable—find protection under the Safeco umbrella

Your dog bites the neighbor’s cat. Your teenager posts something on social media that leads to a lawsuit. These are just a few of the many curveballs life could throw your way.

What is umbrella insurance? In a nutshell, it’s an added layer of coverage that helps protect you, your loved ones, and your assets if you’re ever found liable for an unfortunate situation. When your home, auto, or other insurance policy reach their limits, umbrella insurance steps in with extra protection to help you pay for medical bills, damage to personal property, legal fees, and so much more.

you may need umbrella insurance if you:

  • roadside assistance*
  • rental car reimbursement
  • emergency assistance
  • loan and lease coverage
  • electronic key and lock replacement
  • CD and DVD replacement
  • new car replacement ™
  • audio-visual and custom equipment coverage
  • pet coverage
  • personal property coverage

what does Safeco umbrella insurance cover?

You never know when (or how) the unexpected will strike. That’s why Safeco’s umbrella coverage is designed to help protect you and your hard-earned income against a wide variety of circumstances.

standard Safeco umbrella insurance coverages:

A car hitting a person

bodily injury and property damage coverage

Offers additional protection for car crashes that exceed your auto liability limits

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home accident coverage

Helps pay for bodily injuries due to accidents on your property that exceed your homeowners liability limits

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lawsuits and legal costs coverage

Helps cover legal and other costs in case of lawsuit, libel, slander, defamation of character, and other damages

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travel abroad coverage

Protects you in the event of accidents that occur while you’re in another country

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specialty vehicle coverage

Protects you in the event of accidents that occur while you’re in another country

optional Safeco umbrella insurance coverages:*

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excess UM/UIM coverage

Provides up to $1 million in extra injury coverage in case of an accident with an uninsured or underinsured driver

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home business coverage

Offers additional liability coverage for your home-run small business

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family LLC coverage

Helps protect your family-run LLC from personal injury and property damage claims

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get additional benefits with a Safeco umbrella policy

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When you purchase an umbrella insurance policy from Safeco, you can do so with the confidence of knowing you and your assets will be doubly protected.

Every Safeco umbrella plan includes extra benefits—at no extra charge.

added benefits included in your Safeco umbrella policy:

  • yellow icon with a first aid kitfirst aid reimbursement
  • yellow icon with a heartaccident forgiveness
  • yellow icon with a dollar signdiminishing deductibles
A woman buying umbrella insurance over the phone, while holding a baby.

buy confidently with a Safeco umbrella insurance quote

Not sure if umbrella insurance is right for you? Get all the info you need to make a smart decision with a FREE umbrella insurance quote from Safeco.

To get your quote, all you have to do is speak with a licensed, independent Safeco agent. With rates as low as $1 per day, your agent will work with you to make sure you get a quote that works for you and your wallet. Call 1-844-955-2167 today to learn more about coverage and rates.

umbrella insurance FAQs

do I really need umbrella insurance?

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Contrary to popular belief, umbrella insurance isn’t just for the wealthy. A reliable umbrella insurance policy can help protect virtually anyone from unexpected costs of accidents or lawsuits. And because they offer protection in addition to your home, auto, or medical insurance policies, umbrella policies can be surprisingly affordable.

how much umbrella insurance do I need?

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That all depends on a lot of different factors, such as your current coverage, your financial assets, and your income, among other things. For instance, $1 million worth of coverage may sound like a lot, but keep in mind that in the event of a lawsuit, you may be found liable for damages exceeding your current net worth.

but, is umbrella insurance worth it?

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Like all insurance products, umbrella insurance is something you hope you never have to use. But if and when the unexpected rears its ugly head, you sure will be glad you had it.

And the truth is, because of its versatility and the added liability and legal cost protection it provides, umbrella insurance is one of the most valuable insurance policies you can buy. In the event of a lawsuit a lawyer can cost hundreds of dollars—per hour. That alone can make umbrella insurance more than worth the low amount you pay.