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Umbrella insurance basics
If you are determined to be at-fault in a major accident, loss of life or permanent disablement claims could easily result in lawsuits worth millions of dollars. After exhausting your maximum coverage, plaintiffs could come after your assets and even garnish your wages for years to come. Most umbrella policies start with a one-million-dollar limit, with million-dollar increments up to five or ten million in coverage. This coverage requires and supplements an existing policy, typically home, auto or boat, and is only applied once the liability limit is reached.
Property & injury
If property or medical claims exceed your original policy, umbrella policy will supplement your coverage.
Legal fees
Coverage for legal counsel and court fees is provided in the event of a lawsuit.
Tenant damage
In the event your renters cause excess damage, your policy can help you restore your property.
Libel, slander or defamation of character lawsuits
Umbrella policies provide protection for many liabilities not outlined in typical liability plans.
Supercharge your policies
Supplements your existing personal policies — home, auto and more.
You could save up to 20% on your insurance by bundling
Save with a multi-policy discount when combining auto, home, renters and condo insurance.