Personal Umbrella Insurance, the layer above your policies.

A personal umbrella policy adds $1 million or more in liability coverage above your home, auto, and watercraft policies.

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Questions people bring

Do my home and auto liability limits line up?
An umbrella sits above them, so the limits underneath matter.
Has what I own changed since I set my limit?
A home, a lake cabin, or savings added since then can change how the limit fits.
Do I own a boat, a rental, or a second property?
Those are worth raising when an umbrella is reviewed.
Do I own a business?
If you do, your business and household coverage can be reviewed together.

Personal Umbrella Insurance

A personal umbrella is the layer that decides how far a large claim can reach into what you own.

Kain Carlson reviews personal umbrella as part of the full coverage picture, coordinating it with both personal and commercial coverage.

01, Excess Liability

Excess Liability

Adds $1M to $5M or more above your underlying home and auto limits.

Learn More →02, Broad Coverage

Broad Coverage

Picks up where your home, auto, and watercraft policies end, and often covers claims that underlying policies exclude, like certain libel and slander claims.

Learn More →03, Asset Protection

Asset Protection

Protects savings, real estate, and other personal assets from large liability judgments.

Learn More →

Personal and Commercial Umbrellas

A personal umbrella is separate from a commercial umbrella: the commercial umbrella protects your business assets, while the personal umbrella protects the wealth you've built personally. Kain Carlson reviews both as part of the same integrated relationship, making sure neither side of the ledger is left unprotected.

Asset Exposure
The more you have built, a home, a lake cabin, savings, real estate, the more there is for a plaintiff to go after. Personal umbrella protects those assets from liability judgments that exceed your base policy limits.
How the Limits Stack
An umbrella limit sits above the liability limits on your home and auto policies and applies once those are exhausted, which is why the underlying limits have to line up with it.
Cross-Policy Coordination
Personal umbrella requires your underlying home and auto limits to meet certain thresholds. Kain Carlson reviews and coordinates all underlying limits to make sure the umbrella sits correctly above each policy.
Separate From Commercial Umbrella
A commercial umbrella protects your business. A personal umbrella protects you. They are separate policies covering separate sides of your risk picture, and if you have both exposures, they're worth reviewing together.
Add a Personal Umbrella to Your Coverage
Licensed in ND & MN · Based in Fargo
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