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Protect Your Future With a Personal Liability Umbrella Policy

If you experience a major insurance claim or lawsuit, your underlying policies such as auto, homeowners, or boat owners may not provide enough liability coverage. A State Farm® Personal Liability Umbrella Policy may provide the additional liability coverage you need to help protect your financial future.


Get a Quote from an Agent

For a quote, call 844-242-1899844-242-1899

What a Personal Liability Umbrella Policy Provides*

  • Additional liability protection at a reasonable price
  • Protection against personal claims, such as defamation of character, libel, or slander, that may not be covered by your other policies
  • Minimum coverage of $1 million for covered claims, which can be increased in $1 million increments

How a Personal Liability Umbrella Policy Can Help



While driving, you change lanes and cause an accident, which results in multiple injuries to passengers of another vehicle.



While cooking, you leave your stove unattended. In addition to damaging your property, the fire also damages your neighbor's property and injures your neighbors. As a result, you may have to pay for any repairs to your neighbor's dwelling in addition to any injury claims.



While operating your boat, you hit a water skier and cause serious injury.


*Return to reference This document contains only a general description of the State Farm Personal Liability Umbrella Policy coverage and is not a statement of contract. All coverages are subject to all policy provisions and minimum underlying insurance requirements. For further information, please see or call your State Farm agent.

State Farm Fire and Casualty Company
Bloomington, IL

State Farm General Insurance Company
Bloomington, IL

State Farm Florida Insurance Company
Winter Haven, FL