An Umbrella Liability policy extends the basic coverage provided under different types of liability coverage, including home, auto, boat, and renters policies. Think of an Umbrella Policy as excess liability insurance over and aboveÂ your underlying limits.
The Umbrella policy kicks in once those limits have been exhausted in the event of a lawsuit brought against you. Most Umbrella policies require a minimum level of liability coverage under your home, auto, etc. Why consider an Umbrella? Accidents happen. The cost of property damage and injuries to other parties can exceed the limits of your policy. An Umbrella policy is a cost-effective way to protect your assets and provide you with further peace of mind.
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