Personal Umbrella Liability Insurance

Have you ever "saved for a rainy day" and realized you were glad you did? Personal Umbrella Liability Insurance is similar to this where it insures you above and beyond the limits of your homeowners, auto, and boat insurance policies. In addition, it will cover some situations that are not covered by other types of personal insurance policies you have. Umbrella liability coverage is designed to help protect you from major claims and lawsuits which will then protect your assets and your future you have worked so hard for.

Coverage Options

Umbrella insurance protection will kick in when the liability on your policies have been exhausted and will also provide coverage for claims that may be excluded by other liability policies including:

  • Bodily Injury
  • Property Damage
  • Personal Injury
  • Liability Coverage on Rental Units You Own - helps protect against landlord liability
  • Worldwide Coverage - for incidents that happen abroad
  • Defense Coverage - for attorney's fees and other legal costs
  • Certain Lawsuits
Frequently Asked Questions

Accidents do happen. No matter how cautious you are, you could be sued because you injure someone or damage someone's property. Personal umbrella liability insurance protects your assets in these types of situations. It is designed to protect you against a catastrophic lawsuit by providing expanded coverage and supplementing the basic liability coverage provided by your homeowners/renters, auto, RV, and boat policies. Umbrella liability coverage protection is designed to kick in when the liability coverage on your other policies have been exhausted.