Who it’s for
- Homeowners with meaningful assets
- Households with teen or frequent drivers
- Landlords and rental-property owners
- People with higher personal liability exposure
Added liability protection
Umbrella Insurance
An additional layer of liability protection above eligible home and auto policies.
In plain language
Umbrella insurance can provide extra limits when a covered liability claim exceeds the limits of an underlying policy.
What it can cover
- Liability above eligible home and auto limits
- Certain legal defense costs
- Qualifying rental-property liability
- Certain personal-injury claims, subject to policy terms
Common examples
- A serious auto accident exceeds the auto policy limit
- A guest suffers a major injury at your home
- A rental-property claim exceeds the underlying policy
- A personal-liability lawsuit creates large defense costs
Options to discuss
- Coverage limits matched to your exposures
- Underlying policy requirements
- Rental properties and eligible vehicles
- Personal-injury and worldwide coverage options
Let’s review the fit