What Does Umbrella Liability Insurance Cover?

Umbrella insurance is typically available in $1 million increments for as little as one dollar a day. With a personal umbrella liability policy, you get:

– $1+ million in liability coverage
– Extra liability coverage beyond the limits of your auto, home, boat, and RV policy.
– Protection from liability claims that are not usually covered by standard policies. This includes slander, libel, accidents involving rented vehicles, and accidents involving vehicles rented outside of the country.
– Legal defense, including costs and attorney fees, if you are sued, even in the case of frivolous lawsuits.
– Coverage for you and members of your household.

Your umbrella policy can protect you in many personal liability situations. In addition to covering you when your regular policy won’t, an umbrella policy boosts your liability coverage for bodily injury and property damage.

Bodily injury liability covers the cost of injuries you cause to someone else by paying medical expenses that result from serious car accidents, dog bites, injuries resulting from a fall on your property, or injuries sustained by a child playing on your property. Property damage liability covers the cost of damage you cause to someone else’s property related to a pet, a car accident, or accidental damage to school property.

This type of policy can even help landlords get extra protection against liability.

Are you interested in gaining additional protection than your auto and home policies can offer? Contact us today for a free quote on umbrella liability insurance for at least $1 million more in protection against the unexpected.