Extra Liability Protection Beyond Home And Auto
Umbrella insurance adds an extra layer of liability protection on top of your existing home and auto policies. It is designed to help protect your savings and future income if you face a major claim.
Common situations where umbrella coverage helps:
Serious accidents
Risk: A major auto accident leads to costs beyond your auto liability limits.
Coverage: Umbrella coverage can extend protection after your underlying limits are used, for covered claims.
Injuries on your property
Risk: A guest is seriously injured at your home and sues for damages.
Coverage: Umbrella coverage can add additional liability limits above your homeowners coverage.
Personal liability claims
Risk: A claim involving defamation or other personal liability creates high legal costs.
Coverage: Umbrella coverage can help cover legal defense and covered damages, depending on the policy.
If you have assets to protect, umbrella coverage is often a smart, low-cost way to increase your liability limits.
