Umbrella Liability Insurance in the United States
Does Your Home or Auto Insurance Go Far Enough?
An auto* or home policy alone might not cover you if you have a car accident or house fire that causes damage to neighboring structures. The last thing you need when you’re dealing with a traumatic event is an expensive claim that your insurance doesn’t meet. Umbrella insurance closes those gaps, kicking in if you exhaust your claim limits on your home or car.
One Policy. One Price. Total Coverage.
With an Umbrella Insurance plan, a single policy gives you comprehensive liability coverage at a lower total cost.
Accidents happen to everyone. But if an accident happens in your home and someone is injured, that could mean high legal costs – even if you’re not a home owner. With an umbrella plan, you’re covered, even against damages.
- $1 million in coverage, with higher limits available
- Additional liability coverage over the limits of your auto, home or recreational vehicle policy
- Protection from liability claims not normally covered under your home policy, such as libel or slander
- Payment of defense costs, attorney fees and other expenses associated with a lawsuit, even if the lawsuit is frivolous or groundless
- Coverage for you and residents of your household insured under the policy
*An auto policy with a minimum liability limit is required to purchase a personal umbrella policy.