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Personal Umbrella Insurance
With a Personal Umbrella Insurance policy, you get an additional layer of liability coverage beyond that provided by your homeowner's, auto, boat, and recreational vehicle policies.
Personal Umbrella Insurance is a relatively low-cost way to provide additional coverage if you're sued for bodily injury or property damage beyond the limits of your existing policies. Coverage is usually issued in one million dollar increments, typically in the one to five million dollar range.
In the past, usually only very wealthy individuals purchased Personal Umbrella Insurance. In our increasingly litigious society, however, more and more people of all income groups are considering it in order to protect their current assets and future earnings.
The following people are especially likely to benefit from Personal Umbrella insurance:
- Swimming pool, hot tub, and trampoline owners.
- Families with young drivers.
- Sports enthusiasts (snow and water skiing, horseback riding, rock climbing, golf, etc.).
- Owners or operators of watercraft, off-road, and recreational vehicles.
- Owners of rental property.
- Those who frequently host recreational activities on their property.
- People who serve on non-profit boards that might be exposed to liability.
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