Umbrella insurance is there to provide extra insurance on top of the existing limits and coverages of other insurance policies. Umbrella insurance helps to protect your assets. It can provide coverage when your homeowners, auto, or boat policies limits are exhausted. Umbrella insurance can also provide coverage for claims that may or can be excluded from other liability coverages including claims like a false arrest, slander, or liability coverage on rental properties you may own.
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In addition to your standard underlying coverage, we can help you with complex policies specific to your needs: Bodily Injury Personal Injury Property Damage Landlord Liability |
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If you are looking for information on umbrella insurance Forbes has a lot of valuable information on the topic. |
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What Is Personal Umbrella Insurance?
A personal umbrella policy is excess liability coverage that sits over your underlying policies, such as homeowners, renters, and auto insurance. It helps cover liability costs that exceed the limits of those primary policies.
For example, if you are found legally responsible for damages that are greater than your homeowners or auto liability limits, an umbrella policy can help pay the remaining amount — up to the policy limit.
Umbrella coverage is typically available in increments starting at $1 million and can provide significant additional financial protection.
For example, if you are found legally responsible for damages that are greater than your homeowners or auto liability limits, an umbrella policy can help pay the remaining amount — up to the policy limit.
Umbrella coverage is typically available in increments starting at $1 million and can provide significant additional financial protection.
Why Personal Umbrella Insurance Matters
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Liability claims can happen unexpectedly and may involve substantial costs, including:
Without sufficient liability protection, you may be responsible for paying legal expenses, settlements, or judgments out of pocket. Umbrella insurance helps protect your:
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What Personal Umbrella Insurance Covers
Umbrella insurance generally helps provide additional protection for:
Bodily Injury Liability
Medical bills, rehabilitation costs, and legal expenses if you are found responsible for injuring someone.
Property Damage Liability
Costs to repair or replace another person’s property when you are legally liable.
Legal Defense Costs
Attorney fees, court costs, and settlements related to covered liability claims.
Personal Injury Claims
Protection against lawsuits involving claims such as libel, slander, defamation, false arrest, or invasion of privacy — risks that may not be fully covered by standard policies.
Bodily Injury Liability
Medical bills, rehabilitation costs, and legal expenses if you are found responsible for injuring someone.
Property Damage Liability
Costs to repair or replace another person’s property when you are legally liable.
Legal Defense Costs
Attorney fees, court costs, and settlements related to covered liability claims.
Personal Injury Claims
Protection against lawsuits involving claims such as libel, slander, defamation, false arrest, or invasion of privacy — risks that may not be fully covered by standard policies.
What Umbrella Insurance Typically Does Not Cover
Personal umbrella policies are designed to protect against liability — not damage to your own property.
Common exclusions may include:
Umbrella coverage generally only applies after the liability limits of your underlying policies have been exhausted.
Common exclusions may include:
- Damage to your home, vehicle, or personal belongings
- Business-related liability
- Intentional or criminal acts
Umbrella coverage generally only applies after the liability limits of your underlying policies have been exhausted.
Who Should Consider Umbrella Coverage?
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Personal umbrella insurance can be especially valuable if you:
Your Brock-Norton agent can help evaluate your risk exposure and determine whether umbrella coverage is appropriate for your situation. |
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How We Can Help
At Brock-Norton Insurance, we take a proactive approach to liability protection. We’ll help you:
👉 Click below to request a personal umbrella insurance quote or contact your agent today.
- Review liability limits on your home and auto policies
- Identify potential financial exposure
- Recommend umbrella limits that align with your assets and lifestyle
- Customize a protection strategy that fits your budget
👉 Click below to request a personal umbrella insurance quote or contact your agent today.