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Umbrella Insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection.
Personal Umbrella also called excess liability, gives you extra coverage or insurance for damages that exceed your primary property or auto policy limits if you accidentally cause major injuries or property damage. It protects you and your family against devastating liability claims or judgments. Think pricey car accident or trampoline incident. It protects you in two ways:
- Provides additional liability designed to kick in when the liability on primary policies has been exhausted.
- Provides coverage for claims excluded by other liability policies such as libel, slander, or false arrest.