Personal Umbrella Insurance

Standard homeowners and auto insurance policies have liability coverage. These policies will cover you for judgements and attorney’s fees up to the limits designated within your insurance policy. An umbrella policy covers you above and beyond those limits from the underlying liability coverage in your home, renters, condo or automobile insurance policy. A personal umbrella insurance policy will also cover you for things such as libel and slander.

Personal Umbrella Insurance may be the least expensive policy that you purchase ranging from about $150 to $300 per $1 Million in coverage. (Note: Rates vary depending on underwriting requirements.)

Certain limits must be met with your underlying insurance policies and it is important to make sure that each of the policies are in effect and in line when purchasing an umbrella policy.

Why Buy a Personal Umbrella Insurance Policy?

Personal umbrellas add additional coverage for things that might not be covered by your primary policy. Things like medical expenses, extra expenses, exposures like libel and slander and many more situations.

Here’s just a few situations that would be best served by having an umbrella policy in place:

Uninsured/Underinsured Motorists Coverage – This is an option you should definitely consider. We have several brochures available about the importance of this coverage:

• UM/UIM Case Study
• Teen Driver UM/UIM Case Study

Teen Drivers: New drivers create a number of liability situations.

• Teen Driving Case Study
• Teen Driver UM/UIM Case Study
• Spring Break Car Rental Case Study

Serving Alcohol, Hosting Parties

• Social Host Liability
• Drunk Driving Super Bowl Case Study
• Impaired Bicycling Case Study

See the sidebar on the right for our complete list of Umbrella Case studies and brochures.

Download our Personal Umbrella Insurance Brochure

Personal Umbrella Brochure

Get a free Personal Umbrella Insurance quote!

Contact us today to get the best umbrella insurance rates. Please call us at (877) 288-7169. We look forward to speaking with you soon.