ShieldPersonal Umbrella Insurance
Your family has grown. Has your coverage?
The lawsuit after a trampoline accident. The judgment that exceeds your homeowner's limit by six figures. Shield fills the gaps your auto and home policies quietly leave open.
2,847 families checked their gap this week
The Invisible Gap
What happens when the bill exceeds your limit?
Standard homeowner policies cap liability at $300,000. Real-world verdicts routinely exceed that — often by hundreds of thousands of dollars. The difference comes out of your assets.
Select a scenario
Dog Bite
Your Labrador bites a neighbor's child during a backyard cookout
After your homeowner policy pays out, the remaining $547K judgment can be collected from your savings, retirement accounts, home equity, and future wages.
A $1M Shield policy layers on top of your existing coverage and absorbs the gap — your home, retirement accounts, and savings remain untouched.
Source: Insurance Information Institute, 2024
How It Works
Coverage that layers, not replaces
Shield doesn't replace your existing policies — it sits above them, extending coverage once your primary limits are exhausted, and filling gaps your other policies don't touch.
Your protection stack
Shield also provides drop-down coverage — if an incident falls outside your primary policy's scope entirely, Shield can respond directly, even before your other policies are exhausted.
What you're protecting
Without umbrella coverage, a $1.6M judgment could force the sale of your home and liquidation of retirement accounts — even if you were only marginally at fault.
The Cost Reality
Less than your streaming bill. A million times the protection.
The average personal umbrella policy costs $250–$500 per year. That's a 4,000:1 protection ratio — $1,000,000 in coverage for roughly $21 a month.
For every $1 you spend on umbrella coverage, you receive $4,000 in liability protection. No other financial product comes close.
$1 million in umbrella coverage starts at $250 annually — less than $21 per month, often less than a dinner out.
Average personal injury verdict in auto liability cases — 3x the typical auto policy limit. (Source: Insurance Information Institute)
Real coverage configurations (anonymized)
The Harrington Family
Dual income, 3 kids, new build home, teen driver, backyard pool
The Okonkwo Family
Two professionals, rental property, dog owner, home office
The Castellano Family
Recently purchased second property, young children, active social life
Free Assessment
See Your Coverage Gap
Answer 5 questions to get a personalized risk snapshot and coverage recommendation — no contact info required.
Find out how exposed you really are
This 5-question assessment analyzes your household's specific liability exposure and recommends the right umbrella coverage tier. Takes under 2 minutes.
No personal information collected. Assessment uses actuarial risk factors only.