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Umbrella Liability Insurance in the United States

Does Your Home or Auto Insurance Go Far Enough?

An auto or home policy alone might not cover you if you have a car accident or house fire that causes damage to neighboring structures. The last thing you need when you’re dealing with a traumatic event is an expensive claim that your insurance doesn’t meet.

Umbrella insurance closes those gaps, kicking in if you exhaust your claim limits on your home or car insurance policy.

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One Policy. One Price. Total Coverage. 

With an Umbrella Insurance plan, a single policy gives you comprehensive liability coverage at a lower total cost.  

Accidents happen to everyone. But if an accident happens in your home and someone is injured, that could mean high legal costs – even if you’re not a home owner. With an umbrella plan, you’re covered, even against damages.  


$1 million in coverage, with higher limits available

Additional liability coverage over the limits of your auto, home or recreational vehicle policy

Protection from liability claims not normally covered under your home policy, such as libel or slander

Payment of defense costs, attorney fees and other expenses associated with a lawsuit, even if the lawsuit is frivolous or groundless

Coverage for you and residents of your household insured under the policy

*An auto policy with a minimum liability limit is required to purchase a personal umbrella policy. 

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You’ll speak directly with an agent when calling during business hours:

  • Monday – Friday, 8am – 8pm, Eastern Standard Time

About bolt

bolt is the top property and casualty (P&C) insurance marketplace globally, offering more carriers and insurance options than any other platform. On behalf of Clements, their licensed agents are available to assist you in comprehending your insurance needs, answering queries, and resolving any worries.

Coverage available may vary depending on the state you live in. Our expert agents can provide details on what’s available for your location.

Additional Policies for All Your Needs

Consider these other insurance solutions to protect yourself, your stuff and your family:
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US Car Coverage

Protect your vehicle whether you’re returning home or living in the US as an expat. Find out how the right car insurance can let you drive with peace of mind.

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US Home Coverage

Interested in saving some cash? You can qualify for a multi-policy discount when you bundle your international car insurance with any of our other products. Learn more about international personal property insurance and loss of income coverage to see if they make sense for you.

Contact Us

Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.