PersonalUmbrella.com Insurance Services, Inc. Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's PersonalUmbrella.com Insurance Services, Inc. Score
2.75 Stars
We award PersonalUmbrella.com a final rating of 2.75 out of 5 stars. The carrier has a high Better Business Bureau (BBB) rating but is not accredited. The carrier also doesn't have an individual rating by AM Best but states that it only partners with companies rated at least "B+." PersonalUmbrella.com focuses on providing quality standalone personal umbrella coverage for many types of individuals.
PersonalUmbrella.com was founded in 1999, giving it just under two and a half decades in the insurance industry. The carrier is a family-owned and operated company. Coverage is currently available in 44 states.
PersonalUmbrella.com works with 40,000 agents and brokers nationally. The carrier also partners with Markel, which is an "A"-rated carrier by AM Best and a Fortune 500 company.
One of PersonalUmbrella.com's biggest perks is its fast quote delivery and fast underwriting. Customers can get a quote within three minutes and get a complete policy within three days. However, individuals cannot buy coverage directly through the carrier, as policies are only sold to insurance agents.
PersonalUmbrella.com's website and user-friendliness leave much to be desired in this modern age. There's also virtually no information available about the carrier's pricing or discounts. The insurance company's coverage catalog is also quite limited. Overall, we recommend working together with a local independent insurance agent to survey your other options for coverage.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
PersonalUmbrella.com Insurance Products by Type
PersonalUmbrella.com is a specialized program administrator that offers standalone personal umbrella coverage for individuals.
PersonalUmbrella.com Umbrella Insurance Average Prices
PersonalUmbrella.com does not make information about its average umbrella insurance prices readily available. Interested customers can work with an independent insurance agent to get quotes and more coverage information.
What Discounts Does PersonalUmbrella.com Offer?
The insurance company does not offer discounts, but a standalone personal umbrella policy is an “a la carte” option that can often be more cost-effective and flexible than packaging or bundling the umbrella with home and auto policies.
PersonalUmbrella.com Customer Service
Here's a breakdown of PersonalUmbrella.com’s customer service options and availability:
- Fax: 510-655-3076 or 510-323-8020
- Snail mail: P.O. Box 8586, Emeryville, CA 94662-0586
- Phone: 800-564-1799
- Email: info@personalumbrella.com
Customer service phone department has the following hour restrictions:
| Days | Hours (PST) | ||
| Monday-Friday | 8 a.m. - 5 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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PersonalUmbrella.com Insurance FAQs
PersonalUmbrella.com promises to respond to claims within 72 hours.
PersonalUmbrella.com allows customers to contact it via several methods, including by phone Monday through Friday from 8:00 a.m. to 5:00 p.m. PST or by fax, email, or snail mail at any time. The carrier encourages policyholders to first contact their licensed independent insurance agents with any questions.
PersonalUmbrella.com encourages customers to contact their independent insurance agents if they need to submit a claim. The website details how to file a claim, but doesn't outline a specific claims process.
PersonalUmbrella.com focuses its efforts on providing quality standalone personal umbrella coverage with the following features:
- Personal property
- Rental property including vacation rentals
- Personal automobiles
- Watercraft/unlicensed vehicles/jet ski
- Farms
- Limits of $1 million - $10 million
- $1 million excess uninsured/underinsured motorist
- Youthful operators
- Drivers over 79
- Drivers with moving violations
Your independent insurance agent can help you find out more information about PersonalUmbrella.com's standalone personal umbrella coverage policies and more.
PersonalUmbrella.com has been around only since 1999 and offers coverage in most states across the U.S. The carrier focuses on providing quality standalone personal umbrella coverage with limits of up to $5 million.
One of the biggest perks of PersonalUmbrella.com is its fast quote delivery and fast coverage underwriting. Customers can get a policy within 72 hours.
,However, only one type of coverage is available, and the carrier is not individually rated by AM Best. It's also difficult to find any customer feedback about the carrier. Overall, it's difficult to say whether PersonalUmbrella.com is a good insurance company.
PersonalUmbrella.com only sells insurance through licensed insurance agents. Individuals cannot buy their own coverage through the carrier. Further, the website is extremely dated and has limited information. The carrier has a limited social media presence on LinkedIn and Facebook. Overall, PersonalUmbrella.com falls quite behind most modern carriers in terms of user-friendliness.
PersonalUmbrella.com's products may be right for individuals seeking personal umbrella insurance to extend their liability coverage limits. Coverage is available in 44 states.
https://www.personalumbrella.com/
https://www.bbb.org/us/ca/emeryville/profile/insurance-services-office/personalumbrellacom-1116-359306
https://www.linkedin.com/company/personalumbrella/