Personal Umbrella Insurance Policy

Personal Umbrella Insurance Coverage

What is Personal Umbrella Insurance?

Personal umbrella insurance is a personal liability insurance that offers additional coverage of which extends above and beyond your current auto and homeowner’s policies.

When your policy’s limits are reached, your assets, such as college funds, retirement savings, home, and future earnings, could all be at risk. Your personal umbrella insurance plan steps in once your other insurance policies reach their limit.

Who Needs Personal Umbrella Insurance?

Every homeowner and vehicle owner are subject to risk and loss, and therefore, all of them could benefit from having the extra coverage that personal umbrella insurance companies provide.

What does a Personal Umbrella Insurance Policy Typically Cover?

Personal umbrella insurance policies are for personal loss only, and they are typically issued in between a range of $1 to $5 million dollars, and move in $1 million increments.

Personal umbrella insurance policies typically cover:

  • Personal injury: protection of a claim of slander, libel, defamation of character or other alleged wrongdoings against you.
  • International coverage: Protecting you in the event of accidents or mishaps that occur while you’re out of the country.
  • Vacation rental liability: Protection while using a watercraft, jet ski, boat, and other rental property or equipment you may own.
  • Legal defense: Handle the costs of an attorney and other legal fees in the event of a legal proceeding.

Our Process


Work with an Insurance Expert

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right personal umbrella policy for your lifestyle. Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need, paired with service so friendly and helpful it feels like a throwback.


Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need personal umbrella insurance, homeowner’s insurance, vehicle insurance, collections and other valuables insurance, or personal watercraft insurance, you can find it here.


Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your valuables safe.

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST

Happy Customers

Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service.

Brian B.

A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help!

Doof R.

Grab-N-Go Information

Top Expensive 5
Dilemmas for Individuals
  • Personal injury: physical or socially demeaning
  • An international dilemma
  • Damages to rented equipment and luxuries
  • Damages to personal equipment and luxuries
  • Legal defense costs
Real Talk About
Personal Umbrella Insurance

Check out our blog for the latest news about managing risk for home and auto owners.

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