What is personal umbrella insurance?
Personal umbrella insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel.
The umbrella policy coverage “kicks in” where you’re existing coverage ends, up to limit of the umbrella policy purchased.
Personal Umbrella Protection covers:
- Operating most motor vehicles, including cars, RV’s, motorcycles, pickup trucks, and most watercraft
- Incidents involving any property covered by your basic homeowners policy.
- Incidents alleging slander, libel, defamation of character, invasion of privacy, even false arrest.
- Business liability coverage is provided if covered by your basic homeowners policy.
”This is a summary of coverage and is not intended to represent the actual coverage offered by the insurance policy. If the terms and conditions of this summary are in conflict with the actual policy then the terms and conditions of the policy apply. Please see your actual insurance contract for exact definitions. This is for informational purposes only.“