Home & Property Umbrella Insurance
You’ve heard the term and know it’s important, but you still may be asking: What is umbrella insurance?
Personal umbrella coverage exists to protect you and your family when you’ve exceeded the limits on your auto and/or homeowners policy. Your assets, home equity, retirement savings and more could be at risk from legal liability claims without the right level of coverage.
You can choose up to $5 million in added liability protection on your umbrella policy—safeguarding the lifestyle you’ve worked hard for.*
What Does Umbrella Insurance Cover?
Whether it’s a serious car accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies.
Umbrella Insurance Can Provide:
- An extra $1 million to $10 million of liability coverage, which can help protect assets such as your home, car and boat.
- Coverage for claims like libel, slander, defamation of character and invasion of privacy.
- It also helps cover defense costs, attorney fees and other charges associated with lawsuits.
This coverage also extends to international occurrences.
An umbrella policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.
In today’s world, anyone can get hit with a lawsuit. That’s why it’s more important than ever to consider an added layer of protection for your assets – and your peace of mind.
Avoid Paying Out of Pocket if You Are Liable On A Large Claim
Consider this scenario: You’re sued for $1 million after an auto accident or an incident on your home or property. However, your insurance only covers up to $500,000 in damages (which is often the highest amount of liability insurance available for standard home and auto insurance). Your umbrella policy will cover the remaining $500,000 you’re responsible for.
Who Needs Umbrella Coverage?
Personal umbrella insurance isn’t just for the wealthy. It’s for everyone. That’s why we offer comprehensive and affordable protection. Regardless of the car you drive or if you’re a homeowner, condo owner or renter, you could be vulnerable to legal action and large judgments. You’ll also want extra protection if you have an ATV, RV, boat, or motorcycle.
You can buy a personal umbrella policy anywhere in the United States.
*Coverages and options may not be applicable to all carriers.
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