There are unfortunate occasions when accidents, whether they involve your auto or your home, lead to legal proceedings. Depending on the complexity of your case, the time and monetary pressure of an extended court battle can quickly become overwhelming - especially if your current insurance's liability limits are met, and you are faced with paying the difference out of your own pocket.
Personal Umbrella Insurance provides coverage when your liability exceeds the limits of your Homeowners, Automobile, and Boat Insurance; protects you from major claims and lawsuits; provides coverage for claims that may be excluded by other liability policies including:
- False Arrest
- Libel
- Slander
- Liability coverage for rental units you own.
To qualify for Umbrella Insurance, you must have Liability Insurance (Homeowners, Auto and/or Boat Insurance) that is at least equal to certain required limits of coverage.
Obtain a free, no-obligation quote online. Our online quote forms are designed for your convenience and takes only 15 minutes (average time) to complete.
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Do I qualify for an umbrella insurance policy? You qualify for a Personal Umbrella Policy if:
You live in the United States. You or any member of your household agree to maintain minimum underlying insurance policies as outlined on the policy application for all personal exposures including automobile liability, homeowners or personal liability, farmowners or farm comprehensive personal liability, unlicensed recreational vehicles, and watercraft liability. You or any members of your household own, lease or regularly operate no more than six vehicles. You or any members of your household own or rent no more than six residential properties. You or any members of your household own or regularly operate no more than three watercraft (those that are between 14 and 45 feet and/or maximum speed less than 51 mph), other than jet skis or waverunners. You or any members of your household own or regularly operate no more than three jet skis or waverunners. You have no more than six drivers in your household. You have no more than four drivers under the age of 22 in your household. All drivers in your household combined have no more than four moving violations within the last three years. All drivers in your household combined have no more than two at fault accidents in the last three years. Any driver under the age of 22 has no more than one driving incident within the last three years.
Meeting the above criteria does not guarantee coverage; please contact us for more information.
Our consultants are available to assist you. Request information or schedule a meeting with one of our consultants by clicking the link below.
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