Basics
Underlying Limits: Why Your Umbrella Insurer Asks About Your Auto Policy
Umbrella insurers require your home, auto and watercraft policies to carry minimum liability limits. The umbrella pays only above those amounts, so a gap can leave you paying out of pocket.
How to check
- Find liability limits on each declarations page
- Compare them with the umbrella's requirements
- Raise any that fall short
Why it matters
If an underlying limit is too low, you may be responsible for the gap.
Ready to talk about your umbrella?
Nymble Insurance LLC will review your details and explain options in plain language. Approval and price depend on underwriting.