Personal Umbrella Liability
- Stay protected above and beyond your primary insurance limits
- Protect your property and your liability for property damage done to someone else’s property
- Cover medical costs, loss of income and funeral expenses for other people involved in an accident
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What is a Personal Liability Umbrella Policy?
Personal liability umbrella insurance is liability coverage that covers you and those in your household. This coverage protects you from liability that exceeds your base home and auto policy limits.
When Personal Umbrella Insurance Helps
Sometimes, the limits on your home and autos are not enough. A personal liability umbrella policy protects your pockets in case of a serious accident.
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Want to learn more about how personal liability umbrella insurance benefits you and your loved ones? Check out our umbrella FAQs.
Medical Expenses Exceed Your Existing Limit
You caused a serious car accident. Medical expenses of the drivers and passengers in the other vehicle total $700,000, but your car insurance policy limit is $500,000. Without an umbrella policy, you'd have to pay $200,000 out of pocket. With a personal umbrella policy that covers $1 million, you may be protected for the outstanding $200,000.
You Are Sued for Libel or Slander
Having personal umbrella coverage may help pay for some costs resulting from the lawsuit. Settlement or costs related to your defense, including attorney’s fees, might be covered.
Tenant Injury
A tenant is injured on your rental property because of a loose handrail and you're held liable. Your personal liability insurance can help cover injury expenses and lost wages for tenants that may exceed your landlord insurance policy. Coverage is provided up to the limit of the personal liability umbrella policy.
Frequently Asked Questions
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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.