Umbrella insurance
Umbrella insurance from Binsurance is a personal excess-liability policy that adds $1M to $5M of coverage on top of your auto and home limits, typically for $200–$400/year. Required for high-net-worth households, anyone with rental properties, or anyone who'd be sued for more than their existing limits.
Frequently asked questions
Do I need an umbrella policy? +
If your net worth is meaningful (home equity + retirement + investments) and exceeds your underlying auto + home liability limits, yes. An umbrella adds $1M–$5M of coverage at typically $200–$400/year.
What does umbrella cover that auto/home doesn't? +
It extends bodily injury and property damage liability above your underlying policies and also covers some claims auto/home exclude — like libel, slander, false arrest, and worldwide personal liability.
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