Personal umbrella
High limit, low premium, and one clause that decides whether it works.
Excess UM/UIM is the clause
Many umbrellas exclude excess uninsured and underinsured motorist coverage unless you buy it. Without it, the umbrella does not follow you over an at-fault driver who has no money. We check it on every quote.
Underlying limits are a condition, not a suggestion
An umbrella sits on required underlying limits. If your auto limits drop below them, the umbrella can decline. We verify underlying at bind and at every renewal.
The exclusions we read for in this line
| Exclusion | Severity | What it means |
|---|---|---|
| Excess UM/UIM not included on umbrella | critical | The umbrella will not follow form over an underinsured at-fault driver. |
The market archetypes we shop in this line
IronKey does not publish carrier names it is not appointed with. These are the program archetypes the exchange shops. When an appointment is executed, the carrier's name and rating appear here.
| Program | Type | A.M. Best | Bind | Note |
|---|---|---|---|---|
| Preferred Umbrella Program A Personal Umbrella |
admitted | A+ (Superior) | same day | Includes excess UM/UIM. This is the coverage most umbrellas quietly drop. |
| Standard Umbrella Program B Personal Excess |
admitted | A (Excellent) | instant |
Insurance offered through licensed agents. IronKey Care is an independent insurance agency, not an insurer. Availability and eligibility vary by state.