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Umbrella Coverage Information

Personal Umbrella Policy

Personal umbrella liability insurance is designed to protect you against a catastrophic lawsuit or judgment. It provides expanded coverage and increases the amount of your liability protection beyond the basic coverage provided under your homeowners/renters and auto insurance policies.

Unlike other types of liability coverage, personal umbrella liability insurance can be purchased as a separate policy. However, your insurer will require that you have underlying basic liability coverage (homeowners/renters insurance, auto insurance, or both) before you can purchase an umbrella liability policy. If you are found to be legally responsible for injuring someone or damaging someone's property, the umbrella policy will either pay the part of the claim in excess of the limits of your basic liability coverage, or pay for certain losses not covered by your basic personal liability insurance.

How does it work?
Personal umbrella liability insurance supplements the basic liability coverage provided by your other insurance--it's designed to kick in when your other liability coverage is tapped out. Depending on the type of claim against you, your homeowners, renters, auto, or boat insurance coverage would be utilized first. Once the basic liability limit under the applicable policy is reached, your personal umbrella liability policy covers the remaining costs, up to the policy limits. For this reason, umbrella liability insurance usually carries a high deductible. Insurance companies typically require you to have homeowners/renters and auto liability insurance equal to the amount of your personal umbrella deductible.

What does it cover?
A typical personal umbrella liability policy provides the following protection, up to the coverage limits specified in the policy:

  • Protection for claims of personal injuries or property damage caused by you, members of your family/household, or hazards on your property, for which you are found legally liable
  • Personal liability coverage for incidents which occur on or off your property
  • Additional protection above your basic auto policy for auto-related liabilities
  • Protection against non-business-related personal injury claims, such as slander, libel, wrongful eviction, and false arrest
  • Legal defense costs for a covered loss, including lawyers' fees and associated court costs
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