Coverage guide, Des Moines
Umbrella
Extra liability above your home and auto limits, in $1 million steps. It costs little because it pays last.
Premium from
$14/mo
Carriers quoted
7
Policy term
12 months
An umbrella policy sits on top of your home and auto liability. If a serious accident leads to a judgment larger than those limits, the umbrella pays the rest, up to its own limit, and it pays for your legal defense.
Carriers require minimum limits underneath, typically $250,000/$500,000 on auto and $300,000 on home liability, so we set those up together.
Limits from $1 million to $5 million
Covers everyone in your household
Often cheaper with the same carrier as your home and auto
What it covers
Injury and property damage claims above your home and auto limits
Legal defense costs
Some claims your other policies exclude, such as libel or slander
Common gaps
Business activities need a commercial umbrella
It does not cover your own injuries or property
Gaps open if your underlying limits drop below the required minimums
Is this the right policy for you?
A 15-minute call tells you whether you need it, roughly what it costs and what to have ready. No obligation and no fee.
Coverage varies by carrier and policy form. Example premiums only, not a quote or an offer of coverage. Iowa license # 0000000 (demo).
Other policies worth a look.
12 months
Home
The house, your belongings and your liability. We match your roof and deductible to the carrier that wants it.
See the details
6 or 12 months
Auto
Liability for damage you cause, plus collision and comprehensive. Iowa’s 20/40/15 minimum is rarely enough.
See the details
10 to 30 years, or permanent
Life
Term life replaces your income for the years people depend on it, compared across several life carriers.
See the details