Personal Umbrella Policy
A personal umbrella policy works along with your home and auto insurance to provide you with added liability insurance. If you injure someone or are sued, your auto and home liability limits may not provide enough coverage. An umbrella policy provides extra protection so that your home, savings or others assets are not seized.
What is a Personal Umbrella?
Umbrella insurance provides additional liability coverage over and above what your homeowners and auto insurance cover. It offers a more broad coverage--including libel, slander, defamation of character, legal defense costs and bodily injuries or property damage caused by the insured or members of the insured's household.
The exact cost depends on the amount of coverage you choose, the insurance company and your individual risk factors--such as how many accidents you have had or what your line of work is.
Before you can buy an umbrella insurance policy, your insurance company requires that you carry the maximum available liability coverage on your auto and home policies.
We can discuss your options and determine the coverage limit that is right for you.