Additional Coverage Copy

Additional Protection

Provides extra liability insurance above the limits of your home, auto and other personal insurance policies.

Additional Coverage

Protection Against Lawsuits

Protects your assets against lawsuits or judgments against you or your family including lawyer fees.

Home Insurance Copy

Coverages for Umbrella Insurance Insurance Policies

Umbrella insurance is extra liability insurance above the limits of your homeowners, auto, and other insurance policies.

Coverage

It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. If your liability coverage is not enough to cover the damages of an accident you cause or an incident on your property, a personal umbrella insurance policy kicks in right where your other liability underlying limits have been reached. The policy can provide coverage for:

  • Injury
  • Damage to property
  • Certain lawsuits
  • Liability Situations
  • Bodily Injury Liability
  • Property Damage Liability
  • Owner of Rental Units
  • Slander
  • False Arrest
  • Mental Anguish

Benefits

An Umbrella policy can…

  • Be applied to multiple underlying liability policies.
  • Drop down when an underlying policy’s aggregate limits are exhausted.
  • Cover claims not included in the underlying policies.

Excess Insurance Defined:

Be sure this limit is enough to cover a driver and a passenger as it is a total amount, not per person.

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