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Custom360® Umbrella Insurance

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Protection for the unexpected

Life is full of surprises. A Personal Umbrella policy can be an extra layer of protection for your assets, giving you peace of mind when the unexpected happens.

Extra coverage when you need it

At National General, we realize that you need us most when things don't go your way.
Personal Umbrella coverage helps pay for covered losses that exceed the maximum limit your existing home, auto, or personal policies pay. Our Custom360 Personal Umbrella policy allows you to customize your limits to fit your needs.
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Standard features

Checkmark Bodily Injury Liability
Helps pay for medical expenses, loss of income or other associated costs that occur when others are injured.
Checkmark Property Damage Liability
Covers the cost of physical destruction of someone else's property up to the limit you choose.

Optional coverages

Checkmark Excess Uninsured/Underinsured Motorist
Provides additional protection in the event you are injured by a driver who has either no liability coverage or inadequate liability coverage.
Checkmark Personal Injury1
Pays for claims resulting from alleged libel, slander, invasion of privacy, humiliation or defamation of another person's character, or false arrest.

How can this protection help you?

Checkmark Social Media
In the age of social media, an offhand comment online can lead to serious ramifications. If you or a family member2 is sued for defamation, Personal Umbrella coverage can help protect you and your assets.
Checkmark Injuries At Your Home
What if someone is injured on your property due to an icy step, a fall off a playset or a dog bite? Personal Umbrella coverage can help you in unexpected situations when you are liable and your underlying coverage is not enough.
Checkmark Accidents & Property Damage
Accidents happen. If you cause a multi-car pileup, crash your boat into a dock, or accidentally start a fire that damages neighboring houses, the claims could total an amount more than your standard home or auto policy would cover. Personal Umbrella coverage can help with additional funding above and beyond your current policy limits.

Who needs this level of protection?

In this rapidly changing and complex world, everyone could use the extra layer of protection offered by Personal Umbrella coverage. Here are just a few types of policyholders who would benefit.
Checkmark Parents of teen drivers (and parents in general)
Checkmark Pet owners
Checkmark Frequent travelers and rental property owners3
Checkmark Youth-sport coaches
Checkmark People who want to protect their assets
Checkmark People who host guests at their residence

Fast, reliable claims service

At National General, we realize that you need us most when things don't go your way.
Helpful, convenient claims service is critical, especially when the unexpected occurs. Our highly trained claims service team is available by phone 24 hours a day, 365 days a year if you experience a loss. You can file a new claim or check on the status of an existing claim online or by phone. You can rest assured our team will be there every step of the way.
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Custom coverage solutions to meet your individual needs

At National General, an Allstate company, we recognize the importance of helping you find the right insurance coverage to protect what matters most.
Everyone's needs are different. Our customizable solutions put the power of choice in your hands, giving you a variety of protection with an emphasis on value, convenience and outstanding claims service. We are proud to offer our products through our channel of dedicated independent agents.

1 Policyholder must have a personal injury endorsement on their current Custom360 homeowners policy to qualify for personal injury coverage on the Custom360 Personal Umbrella policy.
2 Must be a resident relative.
3 Coverage over rental properties is not available in every state and subject to terms, conditions and limitations.
Coverage and discount descriptions are summaries. Individual rates and savings, if any, will vary. All coverages, discounts, features, benefits, and pay plans may vary by state and insurer and are subject to availability, eligibility, terms, conditions and exclusions. Insurance underwritten by individual carriers in the National General Group, Winston-Salem, NC.