Personal Umbrella Insurance

Protection from life's unexpected downpours, personal umbrella insurance shields you from financial drenching.

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An umbrella policy is designed to provide you with additional coverage beyond the limits of your primary insurance policies, such as auto, homeowners or renters insurance. It is a cost-effective way to protect your assets and savings in case of a major liability claim that exceeds the limits of your primary insurance policy. Personal umbrella insurance can cover:

Is Personal Umbrella Insurance Really Needed?

To best answer that question, consider the assets you own, and the role they play in fostering your financial security. When thinking about assets, there are obvious items that come to mind: your car, house, investment accounts, and checking and savings accounts. But more broadly, even your estimated stream of future income can be viewed as an asset. In fact, it may even prove to be the most valuable asset of all.

In the event that you become the target of a lawsuit for a substantial sum of money, but don’t have enough insurance to cover the damages that may arise, the expenses would have to come out of pocket. This could create significant financial hardship. An umbrella policy can forestall the prospect of financial ruin due to an unintentional misstep or an unforeseeable accident.

You may also wish to consider increasing the liability limits on your auto or homeowners insurance policies. This strategy may suffice for some common mishaps, but may not protect against all potential expenses. For example, a car accident could result in court proceedings, or an idle remark made on social media could lead to a lawsuit for slander. Unfortunately, the possibilities are endless.

Umbrella insurance picks up where other liability policies leave off, both in terms of dollar limitations and scope of coverage. Put simply, it provides extra (or “excess”) liability coverage and is effectively insurance of last resort, but coverage will not take effect until after other sources of coverage have been used fully.
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Personal umbrella policies typically offer at least $1 million in liability coverage. They are usually available in increments of $1 million, up to $5 million. Your agent can help you decide how much coverage is right for you.
A personal umbrella policy may extend to other members of the policyholder’s household, such as a spouse or children. Some exclusions may apply, though. Be sure to read your policy or reach out to your agent to learn which members of your household may qualify for umbrella protection.

In general, you should gather info about you and everyone in your household. This will include:

  • Vehicle(s) that are owned, if you already have liability coverage for them, and what the coverage amount is. Vehicles covered could include motorcycles, golf carts, RVs, and watercrafts.
  • Has any driver in your household had a traffic conviction within the last 5 years?
  • Are you and/or your spouse the sole owners of all vehicles?
  • Any other insurance policies (example, homeowners, renters, etc.) and what your liability limits are.
  • If you own any additional properties and information about the homeowner or landlord policies on those homes.
  • Your occupation (including whether you hold a public office).
  • Another umbrella insurance.
  • Liability claims.
  • Civil or criminal charges.
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