Personal Umbrella Insurance

You’ve insured your car and your home. If the unexpected should occur, make sure you are protected. A personal umbrella insurance policy offers an extra layer of liability protection for your assets if there’s a serious auto accident or accident on your property. Otherwise, you could be liable for more than your current auto or homeowner’s coverage limits.

Make sure you have the right insurance coverage for any unexpected emergency.

Our team of licensed expert agents have the solutions to all of your insurance needs.

Open Lawsuits modal

Scenario

You invite people over for a pool party and one of your guests dives into the shallow end and is injured. They hire a lawyer and take you to court. You end up being financially responsible for their injuries. Do you have enough money to cover your legal costs in addition to the defense costs?

Solution

An umbrella policy increases your personal liability limits by providing additional protection over your current auto, boat, or homeowners’ policies. Excess liability insurance is available either by an endorsement to your homeowners’ policy or available as separate coverage.

Open Watercraft Liability modal

Scenario

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide is not enough.

Solution

Your watercraft policy limit may not be enough if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Open Property Damage Liability modal

Scenario

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?

Solution

Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted.

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How personal umbrella insurance coverage works

Consider this scenario:

• Your home insurance provides $700,000 of liability coverage.
• A serious accident occurs on your property, and you’re sued for $1.7 million resulting in a judgment against you.
• Your insurance would pay up to $700,000 for a covered accident, but you would need to come up with the remaining $1 million.
• If you had $2 million of coverage under an umbrella insurance policy, you would not need to liquidate your assets to pay the remaining $1 million in this example.

Personal liability insurance helps protect your wages, house, investments, cars, and boats from being at risk if a serious accident occurs. Talk to an agent to find out what the best level of coverage is for your situation.
Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.