What is umbrella insurance?
Umbrella insurance provides additional liability coverage — over and above the limits on your auto and other personal liability policies. 
It’s an affordable way to keep an extraordinary event from becoming a financial life-changer. 

Consider: The average jury award for auto accidents involving bodily injury and property damage exceeds $300,000. Liability awards for accidents in the home can be just as substantial.

Here are some of the ways an umbrella policy can help when covered events threaten your financial security:

Car accident
You have an accident that seriously injures a top executive. Your auto insurance liability limits may not be high enough to cover their medical expenses and lost income while they recover.

Injured 
Your injured guest needs ongoing care. A guest slips and falls. The guest will be okay — but will need surgery and ongoing rehab. The cost of this care will exceed the limits of your homeowner’s policy.

Your injured friend can’t work
Your friend trips and falls. The friend won’t be able to work for some time, and the liability limits of your homeowners’ insurance may not be high enough to cover the medical bills and other compensation.

You flood your downstairs neighbor
You forget and left your bathtub running when you get distracted. While you’re gone, the tub overflows — deluging your downstairs neighbor’s home. Renter’s insurance won’t cover the full costs of damage to her property and business.

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What does umbrella insurance cover?
A standard umbrella policy provides additional liability coverage for:

• Your primary residence

• Two motorized vehicles

• Small Boast

 

But you can also add optional umbrella coverage for other property for other situations: Additional motorized vehicles; secondary or vacation homes; rental properties; unlicensed recreational vehicles; jet skis and jet sleds, vacant land; and uninsured/underinsured motorists.

 

Enjoy features you might not expect
Personal umbrella insurance can follow you anywhere in the world, and can feature additional coverage your underlying policies might not include. Please check with us for details as they differ by policy.

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Add umbrella insurance to existing liability coverage
An umbrella policy builds on the liability coverage of two underlying policies: auto and homeowners or renters. There are options were your it even covers insurances from other companies.

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Other popular insurance options to consider
By adding umbrella coverage to your home and auto insurance, you’re protecting many of your most important assets.