Umbrella Insurance Features and Coverage Options

Affordable Coverage You Can’t Afford to Be Without

In the blink of an eye you could lose your home car, property, savings, investments and even your future income over a multimillion dollar lawsuit. In most cases an umbrella policy will provide additional coverage for:

  • Bodily injury and property damage in an accident that exceeds your auto liability limits
  • Bodily injury in the event of an accident on your property that exceeds your homeowners liability limits
  • Lawsuits and legal costs relating to invasion of privacy, libel or slander, and defamation of character
  • Unforeseen situations, such as an accident involving a borrowed vehicle or an accident in another country

Broader Protection

In order to purchase umbrella insurance, with most our insurance carriers you must also have your auto policy with them and a certain amount of liability coverage. Other than that, your umbrella policy will provide an extra layer of liability protection for any policy held with that company and even for any policy from another insurance company.

Anywhere in the World

For certain kinds of liability claims, while traveling anywhere in the world, your umbrella policy covers not just you but your spouse and all family members living in your household. To further explain, your auto policy may not cover you while driving in a foreign country, but your umbrella policy will.

Attorney Fees

Legal defense fees, which could add up to thousands of dollars, are also covered, win or lose, for all claims covered by your personal umbrella policy and not covered by your underlying insurance policy.

Coverage Options

Umbrella insurance is available in $1 million increments up to a maximum of $5 million.