A personal umbrella policy adds $1 million or more of liability protection above your home and auto limits — for less than most people spend on a streaming service each month. At ALLCHOICE Insurance, we compare umbrella options across multiple carriers to find the right fit for your situation.
Umbrella carriers require minimum underlying limits on your home and auto policies before they’ll issue an umbrella. Here’s what most carriers require in Winston-Salem:
Typical Underlying Limit Requirements Carrier-required
Personal liability on homeowners policy — required minimum for most umbrella carriers
Bodily injury liability on auto policy — or $300,000 combined single limit (CSL)
Property damage liability on auto — typical minimum underlying requirement
Many umbrella carriers require home and auto to be written with the same company
If your current home or auto policy carries lower liability limits, you’ll need to increase them before an umbrella can be placed. Your ALLCHOICE advisor will review your existing policies and identify any gaps that need to be addressed — and often find that the cost to increase underlying limits is modest compared to the umbrella coverage it unlocks.
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Did you know?
Winston-Salem is one of only four states that uses contributory negligence — meaning if you’re even 1% at fault in an accident, you may be legally barred from recovering anything from the other driver. That makes your own liability coverage more important in NC than in most other states. If someone sues you and wins, they can come after your home equity, savings, and even future wages. An umbrella policy is typically the cheapest way to protect everything you’ve built.
A personal umbrella policy is a liability tool. It does not cover everything. Standard exclusions include:
Umbrella pricing and eligibility requirements vary significantly by carrier. Some carriers require home and auto to be bundled with them; others allow standalone umbrella placement. ALLCHOICE compares options across multiple carriers to find the right fit for your underlying coverage structure — and often places the umbrella in a bundle that saves you money on all three policies.
We review your existing home and auto policies to confirm your underlying limits meet umbrella requirements — and recommend adjustments if they don’t, before you need them.
We compare umbrella pricing and terms across multiple carriers so you get the right coverage at the right price — not just whatever one carrier charges.
Adding an umbrella to an existing home and auto bundle often saves 5–15% across all three policies. We compare bundle pricing so you see the full picture.
If you ever need to file a claim, your ALLCHOICE advisor works on your behalf — not the carrier’s. A local relationship, not a 1-800 number.
No. Winston-Salem does not require personal umbrella insurance. It is optional coverage — but it’s typically the most cost-effective liability protection available. At $200–$400 per year for $1 million in additional coverage, most Winston-Salem homeowners and drivers pay less than $30 per month for substantial protection against catastrophic lawsuits.
A $1 million personal umbrella policy typically costs $200 to $400 per year in Winston-Salem. Each additional million of coverage usually adds $75 to $150 per year. Factors that affect cost include your driving record, number of vehicles, risk exposures (dogs, pools, teen drivers), and whether you bundle with home and auto.
Most umbrella carriers require at least $300,000 in personal liability on your homeowners policy and $250,000/$500,000 (or $300,000 CSL) in bodily injury liability on your auto policy. If your current home or auto policy carries lower limits, you’ll need to increase them first. Your ALLCHOICE advisor will review your existing policies before placing umbrella coverage.
Yes. Personal umbrella coverage follows you — it extends over your underlying auto and home liability whether you’re driving in Winston-Salem, another state, or traveling internationally. This is one of the features that makes umbrella coverage particularly valuable for frequent travelers.
Anyone with meaningful assets to protect. This includes homeowners, families with teen drivers, dog owners, those who host guests regularly, landlords with rental properties, and anyone who participates in activities with higher liability exposure — boating, hosting large gatherings, or serving on a nonprofit board. In Winston-Salem, given the contributory negligence rule, protecting your own assets matters more than in most other states.
Takes about five minutes. We review your existing home and auto coverage, confirm your underlying limits, and compare umbrella options across multiple carriers — no pressure, no single-carrier limitations.
Log in to the Member Center to add an umbrella to your existing home and auto policies, or review your current umbrella limits and underlying coverage structure.
