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.

Keep reading.

Buyer guide

How much umbrella insurance do I actually need in PA, NJ, or DE?

Umbrella insurance isn't sized by your income — it's sized by what you can lose. Here's the real net-worth math for PA, NJ, and DE drivers.

June 5, 2026

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