What is Umbrella Insurance?
Who Can Benefit from Umbrella Insurance?
What Does Umbrella Insurance Cover?
Increases the dollar limit of liability coverage for primary policies
Covers claims excluded by primary policies
How Much Umbrella Insurance Do You Need?
Umbrella Liability Claim Examples:
Despite your careful driving and best intentions, you cause a serious accident. Your umbrella policy kicks in when the property damage exceeds the $300,000 liability coverage limit on your auto policy.
Your dog escapes the yard and attacks a neighbor, resulting in extensive medical costs. The umbrella policy covers the excess costs of hospitalization, care and rehabilitation after your homeowners liability coverage is used up.
Your son’s school buddies are playing on the trampoline in your yard and one of the boys flies off, suffering a spinal cord injury. Your umbrella liability manages the excess costs after you, exceed the limits on your homeowners or renters liability policy.