Excess Liability (Personal Umbrella) Insurance
As a home or vehicle owner, you’re probably already familiar with liability coverage — the part of your insurance that protects you against injury or damage claims for incidents occurring on your property or involving your vehicle. But you may not know that in a lawsuit, a successful claim against you may far exceed the liability limits of your homeowner’s or auto insurance, costing you hundreds of thousands — even millions — of dollars.
Personal excess liability insurance — commonly called “umbrella” insurance because it sits atop your other property and casualty insurance — provides an extra measure of protection, insuring you against injury and damage claims that exceed the liability limits of your existing insurance.
For example, if the liability limit on your homeowner’s policy is $300,000 and a visitor is awarded $500,000 in a personal injury lawsuit against you, you’re liable for the remaining $200,000 — out of your own pocket. But with an excess liability or “personal umbrella” policy, you could enjoy coverage that takes effect where your homeowner’s policy leaves off.
Affordable umbrella policies can also provide primary coverage that’s not included in your home or auto insurance — for libel, slander or false arrest.
Our insurance specialists can answer your questions about excess liability insurance and help you determine the coverage that fits your needs and budget.
We’re ready to shop for you. Call 800.249.1342 to request your FREE, no-obligation quote or submit your request using our secure form.
This is a description of representative services and coverage, not a statement of contract. Provisions differ by state — see policy for details of coverage, conditions, limits and losses not covered.