What’s Peace of Mind Worth to You?
To feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.
An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.
Do You Have Enough Liability Insurance?
Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets or your future earnings.
Liability Insurance Starts When the Others Stop
Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world.
What does umbrella insurance cover?
When it comes to umbrella coverage, more is better than less. We can help you get the following coverages:
- Damage to property
- Certain lawsuits
- Personal liability situation