Your Financial Safety Net
Protects against catastrophic lawsuits that could wipe out your savings, home, and future earnings. The difference between financial stability and ruin.
Modern Digital Experience
Paperless applications, instant policy delivery, flexible online payments. No more paper checks, snail mail, or waiting forever for policy changes.
Affordable Protection
Just a couple hundred dollars per year for $1-5 million in coverage. Massive protection at a fraction of the cost of what you're protecting.
Broad Coverage Options
Covers your auto, home, boat, RV, motorcycle, and rental properties. Even accepts one major driving violation and works with any B+ rated carrier.
Why Choose Modern Umbrella Insurance?
Traditional umbrella insurance is stuck in the past with outdated processes and limited flexibility. Modern solutions offer the same protection with better service.
Traditional Umbrella Providers
- Paper applications and checks
- Slow processing times
- Limited payment options
- Rigid underwriting requirements
- Poor digital experience
- Delayed policy changes
Monoline Modern Umbrella
- Paperless applications and delivery
- Instant quote and policy delivery
- Flexible online payment options
- Simplified underwriting (no MVR required)
- Modern digital platform
- Real-time policy changes
Personal Umbrella Insurance Complete Guide
What is Personal Umbrella Insurance?
Personal umbrella insurance provides extra liability coverage beyond what your auto, home, or boat insurance provides. It kicks in when your primary insurance limits are exhausted, protecting your assets from catastrophic lawsuits.
Why Do You Need It?
- Asset Protection: Protects your savings, home, and future earnings from lawsuits
- Affordable Coverage: $1-5 million in protection for just hundreds of dollars per year
- Peace of Mind: Sleep better knowing you're protected from financial catastrophe
- Broad Protection: Covers incidents at home, while driving, or traveling
What's Covered?
- Bodily injury liability beyond your auto/home limits
- Property damage liability
- Personal injury claims (libel, slander, false imprisonment)
- Legal defense costs
- Worldwide coverage
Who Should Consider Umbrella Insurance?
- Homeowners with significant assets to protect
- Anyone with teenage drivers in the household
- People who entertain guests frequently
- Owners of rental properties, boats, or recreational vehicles
- High-income earners with future earnings to protect
- Anyone who wants maximum liability protection at low cost
How Much Coverage Do You Need?
A good rule of thumb is to carry umbrella coverage equal to your net worth. Coverage is available from $1 million to $5 million, with most people choosing $1-2 million for comprehensive protection.