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Personal Umbrella Insurance: Enhancing Your Liability Coverage

Gain additional peace of mind with our personal umbrella insurance policies. Designed to provide extra liability coverage beyond your standard insurance limits, our umbrella policies ensure that you are protected in various unforeseen circumstances.

How Personal Umbrella Insurance Works

Personal umbrella insurance offers an extra layer of liability protection that kicks in where your other insurance policies, like auto or homeowners, reach their coverage limits. It helps cover:

Significant Legal Judgments

Protection against large lawsuits that exceed your standard policy limits.

Bodily Injury Liability

Covers costs related to injuries to others for which you are liable.

Property Damage Liability

Addresses significant property damage claims surpassing your basic insurance limits.

Other Liability Situations

Such as slander, libel, false arrest, and more.

Importance and Application of
Umbrella Insurance

Major Car Accident

After a serious car accident where you are at fault, the damages exceed your auto insurance liability limits. Your umbrella policy covers the remaining amount, safeguarding your personal assets.

Injury at Your Home

A guest is seriously injured at your home, and the medical expenses exceed your homeowner’s policy limits. Umbrella insurance covers the excess costs, preventing financial hardship.

Consequence of Insufficient

Without an umbrella policy, any liability claims exceeding your standard policy limits would have to be paid out of pocket, potentially jeopardizing your savings and assets.

Top Discounts and Savings on
Umbrella Insurance

Enhance your liability protection with our comprehensive
umbrella insurance

Contact us for a personalized quote and safeguard your future today!

Frequently Asked Questions (FAQs)

It’s additional liability coverage that supplements your existing insurance policies, providing extra protection for large claims and lawsuits.

It offers financial security against large liability claims that exceed the limits of your standard insurance policies.

This varies based on your assets, lifestyle, and risk factors. Typically, coverage starts at $1 million.

It covers liabilities like major legal judgments, bodily injury, property damage, and personal liability situations beyond your standard policy limits.

Umbrella insurance is generally cost-effective, especially considering the high amount of coverage it provides.

No, it’s designed for personal liability. Business-related liabilities require a separate policy.

o Yes, but it may affect your premiums or coverage options.

Yes, it typically includes coverage for legal defense costs over and above your policy limits

It acts as secondary coverage, coming into effect after your primary policy limits are exhausted.

It generally does not cover intentional criminal acts, personal property damage, or liabilities covered by other insurance policies.