Personal Insurance › Personal Umbrella Insurance
Personal Umbrella Insurance
A personal umbrella policy may provide additional liability limits after specified underlying coverage is used. It is important to review the policies it sits above, required minimum limits, and any exclusions.
What to review
- Existing auto, home, and recreational-vehicle liability limits
- assets and future income at risk
- household drivers
- property or activities that may increase exposure
- defense costs and exclusions
Questions to bring
- Would my current liability limits be enough in a serious claim?
- Which underlying policies must be maintained?
Reading the details
Before choosing a policy, review the people and property listed, limits, deductibles, exclusions, optional endorsements, and effective date. Ask what changes when one option costs less than another. A proposal is a starting point for comparison; only the applicable policy and effective date determine coverage.
We can talk through the details and help you compare the terms that apply to your situation. A website page cannot determine whether a specific loss is covered.
Website content is provided for general educational purposes and does not amend, extend, or create insurance coverage. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.