--- title: Personal Umbrella Liability Basics description: A personal umbrella liability policy provides an extra layer of insurance coverage over your standard liability policies. It protects your personal assets by kicking in when your standard liability coverage is exhausted. --- - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) - [** ](https://www.facebook.com/clarkeandsampson) [**703-683-6601](tel:17036836601) [     Client Portal](https://portal.csr24.com/mvc/6601690) [![clarke&sampson](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/logo.png "clarke&sampson")](http://www.clarkeandsampson.com/) - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) - [** ](https://www.facebook.com/clarkeandsampson) [**703-683-6601](tel:17036836601) [     Client Portal](https://portal.csr24.com/mvc/6601690) # Clarke & Sampson Blog # Personal Umbrella Liability Basics Scott Jefferson | Monday, February 1, 2021 Share | Facebook Twitter [Email ](mailto:?body=https://blog.clarkeandsampson.com/blog/personal-umbrella-liability-basics) As we all know, accidents happen—and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? For example, what if: - Your teenager runs a stop sign, causing a serious accident? - A visitor trips in your home and is seriously injured? - A babysitter is injured by your otherwise friendly dog? - The small fender bender you caused results in a neck injury? If you are found to be legally responsible for injuring someone or damaging their property without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. Standard liability insurance generally includes homeowners, renters, auto and watercraft policies. Like an umbrella that protects you from the rain, a personal umbrella liability policy provides an extra layer of insurance coverage over your standard liability policies. It protects your personal assets by kicking in when your standard liability coverage is exhausted. **How much coverage do I need?** You’ll want to take into consideration not only your total personal assets but also your potential personal risks. For example, do you operate a business in your home and have employees and clients to your home on a regular basis? Does your profession or location of your home make you an easy target for a big settlement? Determine your personal risks to evaluate the amount of additional liability coverage that makes the most sense for you. Coverages starts at $1 million and can cost as little as a few dollars a week. When considering the value of the umbrella policy, discuss your personal needs with Clarke & Sampson.   [![Learn More](https://no-cache.hubspot.com/cta/default/289889/8acded0b-a453-4eaf-8de9-4c0b2f17cbfd.png)](https://cta-redirect.hubspot.com/cta/redirect/289889/8acded0b-a453-4eaf-8de9-4c0b2f17cbfd)     Share | Facebook Twitter [Email ](mailto:?body=https://blog.clarkeandsampson.com/blog/personal-umbrella-liability-basics) #### Contact Clarke & Sampson, Inc Office: 703-683-6601 Fax: 703-739-8967 228 S.Washington St. Ste. 200 Alexandria, VA 22314 [Send an Email](mailto:sjefferson@clarkeandsampson.com) - [** ](https://www.facebook.com/clarkeandsampson) - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Agency Revolution to provide information on a topic that may be of interest. Agency Revolution is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2018 Agency Revolution. [Privacy Statement](http://www.clarkeandsampson.com//legal) | [Contact Us](http://www.clarkeandsampson.com/contact-us) ![Trusted Choice](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/1.jpg)  ![Independent Insurance Agent](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/2.jpg)  ![PIA](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/3.jpg)  ![Google](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/4.png)