An umbrella sits above your auto and home liability and catches what they can't. For most households it's the cheapest million dollars in finance — ours start under $30 a month.
The Coverages.
Excess Liability
When the at-fault accident exceeds your auto limits, the umbrella pays the difference instead of your savings.
Broader Protection
Libel, slander, and liability exposures your base policies never contemplated.
Defense Costs
The lawyers are covered too — often outside the limit.
Who actually needs one
A teenage driver, a pool, a dog, a rental property, a public opinion — anything that raises the odds of a serious claim raises the value of an umbrella. If your net worth exceeds your liability limits, you're self-insuring the gap.
The underlying-limits dance
Umbrella carriers require your auto and home liability at certain floors first. We check and price those upgrades in the same order, so the whole tower binds cleanly.
One intake, every carrier with appetite, live tracking, one-click bind. $0 to shop.
Start My Quote How It Works"Twenty-six dollars a month to stop lying awake about a teenage driver. Easiest bind of my life."
— K. Nguyen, Littleton — verified orderWhat The Fleet
Checks.
Underlying Audit
Executors verify your auto and home limits meet each umbrella carrier's floors — and price the upgrades in the same order when they don't.
Exposure Sweep
Rentals, watercraft, young drivers, public roles — disclosed once, rated consistently.
Tower Binding
Base-policy changes and the umbrella bind in the right sequence so no day goes uncovered.
The Discounts
That Matter.
Same-Carrier Tower
Stacking the umbrella on your auto/home carrier usually prices best and always binds cleanest.
Multi-Million Steps
The second million costs materially less than the first — limits scale cheaper than people expect.
Clean Underlying History
The umbrella rates off the risks beneath it; clean auto years are umbrella discounts in disguise.
The Vocabulary.
Does it cover my business?
No — commercial exposures need commercial coverage. See our BOP line.
Same carrier as my auto?
Often cheaper and always simpler, but not required — we'll show both configurations.
Go Deeper.
The Learn Hub
Deductibles, liability limits and renewal strategy, decoded in plain English.
// BUNDLEBundle & Save
Price the whole household in one order — bundled and split, side by side.
// PROMISEThe Pearl Guarantee
Accurate at bind, on time or escalated, claims-day advocacy.
// MACHINEHow It Works
The algorithm, the fleet, and the Buy Box — with the audit trail.