Umbrella · North Carolina
Your auto and home policies have ceilings. An umbrella policy sits above both, for the claim that blows past them.
You'll probably never use it. That's the deal with the one policy that exists purely for the worst day.
A judgment comes in at $1.2M and your auto policy stops at $300K. The umbrella pays the gap, up to its own limit.
StandardWinning a lawsuit still costs money. Umbrella policies pay for attorneys, court costs, and expert witnesses along the way.
StandardLibel, slander, defamation. Claims your auto and home policies typically exclude, generally picked up here. Details vary by policy.
Broader scopeMany umbrella policies follow you outside the country, subject to the policy's terms. Ask us how yours would apply.
Broader scopeUmbrella coverage generally extends to family members in your home, teenage driver included. Usually that's the exact reason people call about it.
HouseholdIndustry figures put $1 million of umbrella coverage around $200 a year to start, with each added million near $75. Cheaper than most people's streaming stack.
By the numbersThe economics of excess liability, sourced. Whether it fits your situation is a ten-minute phone call.
About 13% of personal injury liability awards and settlements reach $1 million or more. Source: Trusted Choice industry data.
$1 million in personal umbrella coverage typically starts near $200 a year. Source: NerdWallet, 2026.
Even North Carolina's new 50/100/50 limits cap bodily injury at $100K per accident. One serious multi-car crash can pass that before the tow trucks leave. Source: North Carolina Department of Insurance.
Adding a second or third million typically runs about $75 per year each. The per-dollar price drops as the limit climbs. Source: industry data, 2026.
Most people guess high on the cost. Run the number and see.