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[Home](https://covertrustinsurance.com/) [Coverage](https://covertrustinsurance.com/insurance/) Personal umbrella insurance

For you & your family

# Personal umbrella insurance.

An extra layer above everyday liability limits.

[Get my quote](https://covertrustinsurance.com/quote/?coverage=umbrella) [631-877-3592](tel:+16318773592)

## What does it help protect?

A personal umbrella policy can add liability protection above specified underlying policies. Compare the required home and auto limits, covered exposures and exclusions before deciding how much additional protection to seek.

General information. Actual coverage depends on the policy.

## Compare the details that matter.

The right quote should make the coverage easier to understand. Here are useful things to review with Daniel.

- Required underlying liability limits

- Covered household members and properties

- Available umbrella limits

- Exclusions and any retained limit

## A little preparation. A clearer quote.

Have your home and auto liability limits available.

List rental properties, recreational vehicles and other exposures.

[Build a quote checklist](https://covertrustinsurance.com/quote-planner/?coverage=umbrella)

Let’s talk it through

### Your coverage. Your questions.

Daniel can help you compare available options and understand what happens next.

**Daniel Kazberuk**Licensed insurance brokerNPN 20298170

[631-877-3592](tel:+16318773592) No additional broker fees. Carrier eligibility and underwriting apply.

Good questions

## Know before you choose.

### Does umbrella insurance cover everything?

No. Umbrella policies have exclusions and conditions, and usually require specified underlying insurance. Review the policy’s scope with the broker.

### What do I need to get a quote?

Have your home and auto liability limits available. List rental properties, recreational vehicles and other exposures.

### Does requesting a quote start my coverage?

No. A quote request does not bind, change or cancel insurance. Coverage starts only when confirmed by the insurer or an authorized representative, subject to the effective date, policy terms and any required payment.

## Explore coverage near you.

[New York](https://covertrustinsurance.com/areas/new-york/) [New Jersey](https://covertrustinsurance.com/areas/new-jersey/) [Connecticut](https://covertrustinsurance.com/areas/connecticut/) [Pennsylvania](https://covertrustinsurance.com/areas/pennsylvania/)

Built around what you do

## Different work. Different insurance questions.

[Find your business](https://covertrustinsurance.com/business-insurance/)

[FOR THE PROPERTY YOU RENT AND MAINTAIN Insurance for landlords Review rental property coverage using occupancy, building details, rental income, vacancies, renovations and the difference between landlord and tenant protection. Explore your coverage](https://covertrustinsurance.com/business-insurance/landlords/)

The CoverTrust journal

## Before you choose, get a little clarity.

[All insights](https://covertrustinsurance.com/blog/)

[Auto How to switch car insurance Switch car insurance with a clear checklist for effective dates, payments, cancellation, lender details and proof of coverage. Avoid an unintended gap. 4 min read Read the article](https://covertrustinsurance.com/blog/switch-car-insurance/) [Personal coverage What does umbrella insurance cover? Understand personal umbrella liability coverage, underlying policy requirements, exclusions and the information needed to compare available limits and pricing. 4 min read Read the article](https://covertrustinsurance.com/blog/umbrella-insurance-coverage/)

A clearer way to get covered

## Let’s talk about your personal umbrella insurance.

A real conversation. Clear options. No additional broker fees.

[Start my quote](https://covertrustinsurance.com/quote/) [631-877-3592](tel:+16318773592)

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CoverTrust Insurance Agency LLC — a FreedInsure P&C division.
Daniel Kazberuk, insurance broker. NPN 20298170.
Contact: [631-877-3592](tel:+16318773592) · [DanielKazberuk@covertrustinsurance.com](mailto:DanielKazberuk@covertrustinsurance.com)

Insurance availability, pricing and approval depend on the insurer, eligibility and underwriting. A quote request does not bind coverage. Policy terms control.