How Umbrella Insurance Works

As an example, if someone sues you for damages caused by your car accident and the settlement exceeds your liability limits on your car insurance, the umbrella policy will provide additional coverage. Or if your neighbor falls off their roof while at your home and sues for medical expenses, then an umbrella policy could help cover those costs.

Umbrella policies typically have higher liability limits than other types of insurance. They can range from $1 million to as much as $10 million and provide broader coverage than just car or homeowners policies alone. In addition, umbrella policies may also cover claims from slander, libel, and false arrest.

Umbrella insurance is a great way to protect yourself from potential financial losses if you’re sued for damages caused by an incident not covered by your auto or homeowners policies. It provides peace of mind knowing that you have an extra layer of protection in the event something unexpected happens. Talk to your insurance provider today about adding an umbrella policy to your existing coverage so you can rest easy knowing you’re protected.

Get Help with Umbrella Insurance

Our team can help you determine the ideal amount of umbrella coverage for you and your family. We can also shop your policy to multiple carriers and find you the lowest prices available. To learn more, or if you have other questions, call or click on the quote button for a free consultation.