Umbrella insurance
Umbrella insurance from Binsurance is a personal excess-liability policy that adds $1M to $5M of coverage on top of your auto and home limits, typically for $200–$400/year. Required for high-net-worth households, anyone with rental properties, or anyone who'd be sued for more than their existing limits.
Frequently asked questions
Do I need an umbrella policy? +
If your net worth is meaningful (home equity + retirement + investments) and exceeds your underlying auto + home liability limits, yes. An umbrella adds $1M–$5M of coverage at typically $200–$400/year.
What does umbrella cover that auto/home doesn't? +
It extends bodily injury and property damage liability above your underlying policies and also covers some claims auto/home exclude — like libel, slander, false arrest, and worldwide personal liability.
Keep reading.
Buyer guide
How much umbrella insurance do I actually need in PA, NJ, or DE?
Umbrella insurance isn't sized by your income — it's sized by what you can lose. Here's the real net-worth math for PA, NJ, and DE drivers.
June 5, 2026
Multilingual
Tort limitado o completo en PA: las excepciones que nadie explica
La casilla de tort en su póliza de auto de Pennsylvania, explicada en español: qué pierde con limited tort y los cinco casos en que no le aplica.
October 11, 2026
Multilingual
宾州车险:有限侵权还是全侵权?最容易签错的一栏
在宾夕法尼亚买车险,有限侵权省下约 15% 保费,却放弃了为疼痛索赔的权利。中文详解两者区别、法律例外,以及为什么这一栏会绑定全家人。
September 25, 2026
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