When standard limits are not enough
Some risks are not about your house at all. A serious accident you are held responsible for, or a piece of jewelry worth more than your policy will ever pay for it, can both leave you exposed in ways a standard policy was never designed to handle. These two coverages exist for the moments when your normal limits simply run out.
- Protecting your finances and valuables
- Extra liability
Umbrella coverage
If you are found responsible for a serious accident, the liability limits on your home or auto policy can run out fast, and you would pay the rest. Umbrella coverage adds a layer of liability protection, usually in million dollar increments, across your home, auto, and other policies. It is affordable protection for your assets and future income.
What it covers:
- Liability above your home and auto limits
- Protection usually in million dollar increments
- Your assets and future income from a major claim
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- High value items
Scheduled personal property
Standard policies cap how much they will pay for items like jewelry, firearms, fine art, or collectibles, often well below their real value. Scheduling these items adds specific, itemized coverage, frequently with no deductible and broader protection, so a lost ring or stolen watch is actually covered for what it is worth.
What it covers:
- Jewelry, firearms, fine art, and collectibles
- Coverage above your standard per item caps
- Often no deductible and broader loss protection
Good to know:
Scheduled items are usually covered even for accidental loss, like a ring lost down a drain, not just theft or fire.
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- Frequently Asked Questions
Common questions
Do I really need umbrella coverage if I am not wealthy?
Umbrella coverage protects your future income and assets, not just your current savings. A judgment from a serious accident can be collected from wages for years, so the coverage is often most valuable for people still building their net worth. It is also one of the most affordable coverages per dollar of protection.
How much umbrella coverage should I carry?
A common starting point is enough to cover your total net worth, then adjust for risk factors like a pool, teen drivers, or a rental property. Limits usually come in million dollar increments. We can help you size it during a quick review.
What kinds of items should I schedule?
Anything worth more than your policy’s per item cap on valuables. Engagement and wedding rings, watches, firearms, fine art, collectibles, cameras, and musical instruments are the most common.
Is scheduled property covered if I simply lose it?
Usually yes. Scheduled items typically include broader coverage than standard property, often paying for accidental loss, not just theft or fire. Most schedules also carry no deductible.
- Additional Protection Resources
Extra layers of protection worth knowing about
Beyond your policy, these trusted partners help with two of the costs homeowners feel most: roof deductibles and home system repairs.
SOLA Insurance
American Home Shield
These resources are offered by third parties and are not insurance policies underwritten by Aneisha LeMonier Agency. Coverage details, eligibility, and pricing are set by each provider. The explanations on this page are for educational purposes only and are not a statement of policy terms. Actual coverage depends on your policy.