PersonalUmbrella.com Insurance Services, Inc. Insurance Company Review

The insider information you need to know to determine if this is the right insurance company for you.

PersonalUmbrella.com Insurance Services, Inc. (PersonalUmbrella.com) at a Glance

  • Founded in 1999
  • Offers standalone personal umbrella coverage for individuals
  • Unique coverage options, including those for youthful and older drivers, and those with moving violations
  • Coverage available in 45 states
  • PersonalUmbrella.com has partnered with a well-established, Fortune 500 insurance carrier rated A XV (Excellent) by A.M. Best to hold the risk on their policies
  • A+ (Excellent) rating by Better Business Bureau (BBB)
  • Family-owned and operated
  • Quote delivery in three minutes
  • Policy application has only four questions

PersonalUmbrella.com Pros: More than 20 years’ worth of experience in the insurance industry. Carrier is Admitted and rated A XV by A.M. Best. High rating through the BBB. Fast quote delivery, application process and policy writing. Coverage available in most states. 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 cons: Coverage is offered exclusively through a licensed insurance agent. Insureds cannot purchase coverage directly.

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.

What Type of Insurance Does PersonalUmbrella.com Offer?

PersonalUmbrella.com is a specialized program administrator that offers standalone personal umbrella coverage for individuals. 

  • Personal umbrella insurance

An independent insurance agent can help you find more information about PersonalUmbrella.com and help you decide if they're the right carrier for your needs.

What to Know about PersonalUmbrella.com

PersonalUmbrella.com was founded in 1999, giving them more than 20 years worth of experience in the insurance industry. They focus on standalone personal umbrella insurance for individuals. Coverage is available through an Admitted carrier rated A XV by A.M. Best that’s been in business since 1930. They’re a family-owned and -operated company.

PersonalUmbrella.com provides coverage through an admitted carrier, and is rated A XV (Excellent) by AM Best, the leading credit organization monitoring the insurance industry, in business since 1930. The insurance company is family owned and operated.

PersonalUmbrella.com focuses on providing quality standalone personal umbrella coverage for individuals across the U.S. Their coverage is currently available in 45 states. PersonalUmbrella.com works with 40,000 agents and brokers nationally.

Their carrier is an Admitted carrier rated A XV by A.M. Best.

What Discounts Does PersonalUmbrella.com Offer?

The 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

Insureds should contact their licensed independent insurance agent with any questions.

Here's a breakdown of PersonalUmbrella.com’s customer service options and availability.

  • Fax contact option: 510-655-3076 or 510-323-8020
  • Snail mail contact option: P.O. Box 8586, Emeryville, CA 94662-0586
  • Phone contact option: 800-564-1799
  • Email contact option: info@personalumbrella.com
  • Customer service department hours:


Hours (PST)


Monday-Friday 8 am - 5 pm

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.

PersonalUmbrella.com FAQ

What is PersonalUmbrella.com's average claim response time frame?

PersonalUmbrella.com responds to claims within 72 hours.

What is PersonalUmbrella's customer service availability?

Insureds should first contact their licensed independent insurance agent with any questions. PersonalUmbrella.com allows customers to contact them via several methods, including by phone Monday through Friday from 8:00 a.m. – 5:00 p.m. PST or by fax, email, or snail mail at any time.

What is PersonalUmbrella.com's claims process?

Insureds should contact their licensed independent insurance agent if they need to submit a claim.

PersonalUmbrella.com’s claims contact is Eric Stewart, who can be reached at estewart@personalumbrella.com or 510-420-2832.

To submit a claim, agents should email him the insured's name and PersonalUmbrella.com policy number and any of the following information.

1. The name of the insured's underlying carrier and their claim number

2. Name and contact info for their claims adjuster

3. Claim documentation, like notification letters, accident report or lawsuit notice

Once this information is received, PersonalUmbrella.com creates a record of the claim and steps out of the process so their carrier and the insured's claims adjusters can work together directly.

Does PersonalUmbrella.com have good umbrella coverage?

PersonalUmbrella.com focuses its efforts on providing quality standalone personal umbrella coverage that can be used for the following.

  • Personal property
  • Rental property, including vacation rentals
  • Personal automobiles
  • Watercraft/unlicensed vehicles/jet ski
  • Farms
  • Limits of $1 MM - $10 MM
  • $1 MM excess Uninsured Motorist/Underinsured Motorist (UM/UIM)
  • Youthful operators
  • Drivers over 79
  • Drivers with moving violations

Your independent insurance agent can help you find out more information about the PersonalUmbrella.com's standalone personal umbrella coverage policies and more.

Is PersonalUmbrella.com a good insurance company?

PersonalUmbrella.com has a couple decades worth of experience under their belt, and offers coverage in most states across the US. They focus on providing quality standalone personal umbrella coverage with limits up to $5 MM available online.

As an insurtech, they’ve always operated online and have never required paper applications, which has helped thousands of agents quickly get policies of up to $5 MM in just a few minutes when it used to take days. They’re known as the easiest way to buy personal umbrella insurance in the industry.

TrustedChoice.com's Final Review

4.5/5 stars

We award PersonalUmbrella.com a final rating of 4.5 out of 5 stars. They have been highly rated by the BBB and have been around for more than two decades now. PersonalUmbrella.com focuses on providing quality standalone personal umbrella coverage for many types of individuals.

PersonalUmbrella.com’s coverage is available in most states across the US. They proudly offer fast quotes and easy coverage applications. Overall, PersonalUmbrella.com is certainly worth looking into as an option with your independent insurance agent if you're in need of standalone personal umbrella insurance coverage. 

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