What is the purpose of an umbrella policy?
What is umbrella insurance? Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations.
Is it good to have an umbrella policy?
An umbrella policy gives you additional liability coverage. This can help cover the cost of injury to others or damage to their property. It does not cover damage to your own home, car or possessions.
What does an umbrella policy exclude?
Who needs umbrella insurance? If you have assets and savings you want to protect beyond the maximum liability coverage you're able to purchase via your home or vehicle insurance, umbrella insurance can protect your assets up to $5 million or more, depending on the insurer.
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[PDF] Personal Umbrella Liability Insurance - Premier
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