Umbrella Insurance

Umbrella insurance gives you extra protection from accidents and lawsuits.

You need a GEICO auto policy to qualify for GEICO Umbrella Insurance in all states except NH and NY.

To get a quote, call us at (866) 272-5192.

Umbrella Policy Login

Login with your auto policy to manage your account online.



Manage Your Umbrella Policy

Remember to make sure your umbrella policy is up to date and reflects your current financial situation.

Log in or call us at (866) 272-5192 to make changes to your policy.

Monday – Friday: 8:00 AM – 10:15 PM (ET)

Saturday: 8:00 AM – 9:15 PM (ET)

Sunday: 10:00 AM – 9:15 PM (ET)

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Do you need umbrella insurance?

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Umbrella insurance can give you $1 million in coverage* on top of your auto or homeowners policy limits. If you injure someone or damage their property, you might not have enough coverage. An umbrella policy could save you from paying out of your own pocket.

Nobody's safe from serious accidents and lawsuits. How might you need an umbrella insurance policy? We'll give you some examples.*

Explore the interactive infographic by clicking or tapping on the glowing bubbles below.

Check all the boxes that apply to you and your family.

You forget to turn off your garden hose. The mailman slips on your wet driveway, injures his back, and sues you for $450,000.

Umbrella Insurance Infographic

You forget to turn off your garden hose. The mailman slips on your wet driveway, injures his back, and sues you for $450,000.

A visiting relative borrows your car and causes a serious collision. Injuries to the other driver and passengers total $1.2 million.

While backing out of a parking space in a hurry, you hit a pedestrian. You're responsible for over $1 million in medical bills.

You rear-end another car. The other driver claims long-term neck damage and sues you for $600,000—threatening your savings.

In a crowded coffee shop, you accidentally spill your hot drink on a child. Treatment for his burns costs almost $700,000.

A guest in your home trips and falls. She injures her neck and arms and can't work for a month. Treatment and lost wages add up to $550,000.

One of your tenants starts a fire that spreads to somebody else's home. You're liable for $400,000 in damages.

Your young driver glances down at their phone, swerves, and crashes into another car. Injuries to the other driver cost $800,000.

*Exclusions may apply.

Umbrella insurance: get peace of mind for a low price.

What situations could umbrella insurance cover?

  • Injuries to other people if you're at fault
  • Damage to other people's property
  • Injuries or damage caused by your renters
  • Certain lawsuits, like slander and defamation

Why buy umbrella insurance?

  • Without an umbrella policy, you could lose your home and savings due to a major claim.
  • Liability claims are often expensive. You might have to work for years to pay off a claim.
  • Lawsuits can happen to anyone. You can be sued even if you're not wealthy or at-fault.

How is an umbrella insurance policy different from raising policy limits?

  • Can add $1 million* in coverage to several policies—and may cost less than raising the limits on other policies individually.
  • May cover situations that your other policies may not, such as slander, or libel lawsuits.
  • Can cover the cost of your legal defense in case of a liability lawsuit.

Who is covered by your umbrella insurance policy?

  • You and your spouse if a resident of your household
  • Relatives residing in your household
  • Household resident under age 21 in the care and custody of you or your spouse

How does umbrella insurance work with your other policies?

Umbrella insurance can kick in after you've reached the limits on your other policies. Imagine that you injure another driver in a car accident. He sues you for $500,000, but your auto policy only covers up to $300,000. An umbrella policy could cover the additional $200,000—and help save you from financial hardship.

Once you've reached the liability limit on another policy, umbrella insurance can step in. Once you've reached the liability limit on another policy, umbrella insurance can step in.

Need to speak with us about umbrella insurance?

You can reach a sales agent at (866) 272-5192.

  • Sales
    Mon - Fri

    8:00 AM - 10:00 PM (ET)
  • Sat
    8:00 AM – 9:00 PM (ET)
  • Sun
    10:00 AM – 8:00 PM (ET)

*Other policy limits are also available.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.