Connecticut Umbrella Insurance

Coverage for the Unexpected

An umbrella policy provides additional liability insurance, which gives you added protection for covered claims where the damages or injury exceeds the limits of your auto or home insurance policy.

Added Protection for Your Auto Policy

Your liability for a serious car accident could exceed the liability limits of your car insurance policy. In the event of a lawsuit resulting from a covered car accident, your umbrella policy limit can provide another level of protection above the liability limit of your auto policy.

Safeguarding Your Home from Liability

Unfortunately, accidents happen in the home, sometimes resulting in serious injuries to visitors, which could lead to a significant claim against the homeowner. If someone makes a claim against you that is covered by the policy, umbrella coverage can give you additional protection above your homeowners policy's liability limit.

See If You're Eligible

Umbrella policies are available to current NJM Auto policyholders and NJM Homeowners policyholders who do not own an auto.

How Much Does It Cost?

Umbrella polices are more affordable than you might think. The price of the policy will vary based on your specific liability exposures, property location, and the coverage limits chosen, and coverage is subject to underwriting approval. Your auto and homeowners policies each need to have a minimum liability limit of $500,000, and members of homeowners or condominium associations need to have a minimum of $50,000 in loss assessment protection. Umbrella insurance starts with a $1 million liability limit. Higher limits are available, subject to underwriting review.

Customize Your Policy with an Endorsement

Excess Uninsured and Underinsured Motorists Coverage

Normally, an umbrella policy excludes Uninsured/Underinsured (UM/UIM) coverage. This endorsement provides an additional $1,000,000 in UM/UIM coverage if you are involved in a covered accident with a driver who is uninsured or underinsured, and the bodily injuries and/or property damage exceeds your underlying auto policy's UM/UIM limits. $500,000 UM/UIM limits must be maintained on your auto policy.