An extra layer of protection.
Extends your liability limits above your home, auto and boat policies.
What's covered.
Every policy is tailored with an agent. Here's an overview of the core protection available.
Excess liability
Adds liability limits above your auto, home and boat policies.
Worldwide coverage
Protection that travels with you.
Legal defense
Defense costs are paid in addition to your limits.
Make it fit your life.
- $1M to $5M limits
- Uninsured motorist extension
Better with COSPARK membership.
- Affordable extra protection
- Bundles with your existing policies
Frequently asked.
How much does personal umbrella coverage cost?
Pricing depends on your location, history, the coverage you choose and your deductible. Start a quote and an agent will compare options for you.
Can I bundle personal umbrella with other policies?
Yes. Bundling two or more eligible policies usually lowers your total premium and keeps everything in one member dashboard.
Do I earn COSPARK tokens on this policy?
Associate members earn Insurance Tokens equal to 5% of eligible annual premium, and Premium members earn 7%. Free members don't earn tokens. If a policy is cancelled mid-year, that year's Insurance Tokens are forfeited.
How do I file a claim?
Report a claim online any time from the Claims page or your member dashboard. Logged-in members have their policy details filled in automatically.
Ready to price personal umbrella coverage?
Get a quote online or talk to a licensed COSPARK agent.