Personal Umbrella Insurance
A personal umbrella policy is called an "umbrella" policy because it provides liability coverage over and above your standard auto insurance or homeowners insurance. It offers protection for you and family in your household against large and potentially devastating liability claims or judgments.
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Frequently Asked Questions
What does Personal Umbrella insurance cover?
Personal umbrella insurance typically covers liability for bodily injury and property damage, as well as additional types of liability such as defamation, false arrest, and invasion of privacy
How much Personal Umbrella insurance do I need?
The amount of personal umbrella insurance that you need will depend on your specific circumstances and the amount of assets you want to protect. It's generally recommended to have at least $1 million in umbrella coverage, but you may want more depending on your level of risk.
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Will my personal umbrella insurance cover me if I am sued for damages related to a car accident?
Yes, personal umbrella insurance can provide additional liability coverage for car accidents, above and beyond the limits of your auto insurance policy.
Can personal umbrella insurance cover me if I am sued for damages related to a rental property?
Yes, personal umbrella insurance can provide additional liability coverage for rental properties, above and beyond the limits of your homeowners insurance policy. This would include any liability arising from damages or injuries to tenants or guests at the rental property.
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