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Personal Umbrella Insurance — Mississippi

$1 Million More
Protection
For Pennies a Day.

A personal umbrella policy adds $1M–$5M+ of liability coverage above your auto and home policies. If you own a home, have savings, or have teenagers on your policy — you likely need one.

Get an Umbrella Quote →📞 (601) 212-2424
What It Covers

Above and Beyond
Your Existing Policies.

When a liability claim exceeds your auto or home policy limits, your umbrella kicks in. Without it, your savings, home equity, and future earnings are at risk.

  • Bodily injury liability above your auto limits
  • Property damage liability above your home limits
  • Legal defense costs that exceed your policy limits
  • Incidents involving rental properties you own
  • Liability as a landlord
  • Some personal injury claims not covered by other policies
Who Needs Umbrella Coverage?
  • Homeowners with significant equity or savings
  • Anyone with teenage or young adult drivers
  • Landlords with rental properties
  • Business owners (complements commercial coverage)
  • Anyone with a pool, trampoline, or dog
  • High-income professionals with assets to protect
A $1M umbrella policy typically costs $150–$300/year — one of the best values in personal insurance.
Common Questions

Umbrella Insurance FAQs.

How much umbrella insurance do I need?+
A general rule is to have at least enough umbrella coverage to equal your total net worth — assets plus future earning potential. Most people start with $1M and increase from there.
Does umbrella insurance cover business activities?+
Personal umbrella policies typically exclude business activities. If you run a business, you need a commercial umbrella policy in addition to or instead of a personal umbrella.
How much does personal umbrella insurance cost in Mississippi?+
Most $1M umbrella policies cost $150–$300 per year when bundled with your auto and home. It's one of the most cost-effective ways to protect your assets.
Get Started

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