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
816
Carriers
82
Avg impact
+26.9%
Max increase
+191.3%
Max decrease
-1.1%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| CT | 35 | +22.7% |
| WI | 31 | +18.9% |
| IN | 30 | +17.2% |
| NJ | 28 | +19.2% |
| MI | 27 | +18.5% |
| KS | 26 | +23.8% |
| PA | 26 | +21.5% |
| TX | 26 | +29.6% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Hartford Fire & CAS Group9 states | +72.7% | 13 |
| Southern Trust Insurance Company2 states | +67.5% | 2 |
| Progressive Group12 states | +67.1% | 13 |
| Island Insurance Company Group1 states | +65.7% | 2 |
| Mt. Morris Mutual Insurance Company1 states | +60.0% | 1 |
| United Services Automobile Assn Group31 states | +59.1% | 33 |
| Central Mutual Insurance Company Group16 states | +58.9% | 17 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Oct 9, 2025 | United Services Automobile Assn Group | HI | Umbrella | +191.3% | +191.3% |
| 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% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Personal Umbrella | Berkshire Hathaway Group | Revised | 118 | Sep 15, 2026 |
| Umbrella | United Services Automobile Assn Group | New | 26 | Sep 15, 2026 |
| Personal Umbrella Program | Automobile Club MI Group | Revised | 3 | Sep 15, 2026 |
| Nm Umb Form Filing | United Services Automobile Assn Group | New | 1 | Sep 15, 2026 |
| - Pul Form | Berkshire Hathaway Group | Revised | 14 | Sep 14, 2026 |
| Executive Umbrella | Auto Owners Group | Revised | 32 | Sep 11, 2026 |
Top carriers
Berkshire Hathaway Group227
Allstate Insurance Group169
Farmers Insurance Group146
Liberty Mutual Group101
WT Holdings Group93
Cincinnati Financial Group82
United Services Automobile Assn Group80
Chubb Limited Group71
Top states
CT79
TX75
WI74
PA72
IN68
UT64
MD63
GA62