Can I Buy Umbrella Insurance Separately?
If you've ever wondered whether you can purchase umbrella insurance on its own, without bundling it with your home or auto policies, the answer is yes. In fact, buying a standalone personal umbrella policy is becoming more common than ever.
What Is Personal Umbrella Insurance?
Personal umbrella insurance provides extra liability coverage that goes above and beyond your home, auto, or other personal insurance policies. It protects you from large claims or lawsuits that could put your savings, assets, or future income at risk.
Think of it as a financial safety net. If you’re involved in a serious car accident or someone is injured on your property and your underlying insurance limits are exhausted, a personal umbrella policy can cover the remaining costs up to your umbrella policy limit.
Why You Need It
High-cost liability claims are more common than many people realize. Medical bills, legal fees, and damages can quickly exceed the limits of your base policies. Personal umbrella insurance helps make sure that one unexpected incident doesn’t jeopardize your financial future.
If you own a home, drive a car, have savings, or simply want added peace of mind, a personal umbrella policy is a smart move.
Why Standalone Umbrella Insurance Is Gaining Popularity
Traditionally, personal umbrella policies were bundled with your home and auto insurance through the same carrier. But that approach is changing. More carriers are starting to separate personal umbrella coverage from their bundled offerings, making it harder to secure this protection as part of a package.
That’s where standalone umbrella policies come in.
What Makes Monoline a Good Fit?
Monoline offers standalone personal umbrella policies built with both you and your independent insurance agent in mind. Here’s what sets our coverage apart:
- Coverage limits ranging from $1 million to $5 million, with an additional $1 million available for underinsured or uninsured motorists
- Available in 43 states and growing
- A fast and easy quoting process your agent can complete in minutes
- Competitive rates designed to fit today’s market
- Online payment options and automatic renewals for added convenience
- Exceptional claims experience supported by modern technology and personal support
Only Available Through Your Independent Insurance Agent
Monoline policies are offered exclusively through independent insurance agents. We believe your coverage decisions should be guided by someone who understands your unique needs and can help you find the right protection.
Want to know if your agency works with Monoline? View our list of trusted agency partners here.
Or reach out to your agent and ask about a Monoline umbrella policy. They’ll walk you through your options and help you put the right coverage in place so you can move forward with confidence.
