Product background
Personal umbrella and excess liability provides non-business liability protection for individuals above scheduled home, auto, recreational, or other underlying policies.
Personal umbrella filings show how carriers define covered personal liability, required underlying insurance, defense obligations, drop-down coverage, exclusions, and household or recreational exposures.
Common filing signals
- Personal umbrella policy forms, declarations, and underlying insurance schedules
- Personal injury, watercraft, recreational vehicle, rental property, and household liability endorsements
- Exclusions for business activity, professional services, owned property, abuse, communicable disease, and prior acts
Rate impact
Filings
767
Carriers
76
Avg impact
+24.3%
Max increase
+137.2%
Max decrease
-1.1%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| WI | 32 | +18.9% |
| CT | 30 | +18.9% |
| IN | 28 | +17.6% |
| MD | 27 | +16.3% |
| PA | 27 | +15.3% |
| MI | 26 | +17.5% |
| KS | 25 | +25.6% |
| NJ | 25 | +15.1% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Progressive Group12 states | +68.5% | 12 |
| Hartford Fire & CAS Group7 states | +66.8% | 9 |
| United Services Automobile Assn Group29 states | +53.9% | 29 |
| Central Mutual Insurance Company Group10 states | +53.4% | 10 |
| Markel Corporation Group15 states | +51.9% | 17 |
| WT Holdings Group23 states | +40.4% | 23 |
| MMG Insurance Company4 states | +37.5% | 4 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Mar 5, 2026 | United Services Automobile Assn Group | WV | Umbrella | +137.2% | +137.2% |
| Mar 5, 2026 | United Services Automobile Assn Group | WV | Umbrella | +137.2% | +137.2% |
| Mar 5, 2026 | United Services Automobile Assn Group | WV | Umbrella | +137.2% | +137.2% |
| Mar 5, 2026 | United Services Automobile Assn Group | WV | Umbrella | +137.2% | +137.2% |
| Feb 25, 2026 | Allstate Insurance Group | GA | AI Pup | +136.2% | +140.0% |
| Nov 26, 2025 | United Services Automobile Assn Group | SD | Sd Umb Rate Filing | +132.3% | +132.3% |
| Nov 26, 2025 | United Services Automobile Assn Group | SD | Sd Umb Rate Filing | +132.3% | +132.3% |
| Nov 26, 2025 | United Services Automobile Assn Group | SD | Sd Umb Rate Filing | +132.3% | +132.3% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Anaic Pup | Allstate Insurance Group | Revised | 72 | Nov 10, 2026 |
| Farm Umbrella | Goodville Mutual Group | Revised | 1 | Nov 10, 2026 |
| Pelp | Farmers Insurance Group | Revised | 22 | Nov 9, 2026 |
| Umbrella | Farmers Insurance Group | Revised | 21 | Nov 9, 2026 |
| Umbrella 2026 - Personal | Markel Corporation Group | Revised | 16 | Nov 9, 2026 |
| Vt Prevail Pup Forms Filing (Hfic & Hicse) | Hartford Fire & CAS Group | New | 1 | Nov 9, 2026 |
Top carriers
Top states
TX80
WI75
CT72
PA72
IN63
MD62
OR60
GA58