An Extra Layer of Protection
A personal umbrella policy kicks in to make up the difference in a liability claim against you once you’ve reached the limits or your primary insurance policies. It provides high limits of coverage designed to protect you against catastrophic financial loss. A personal umbrella policy is a single policy that overlays your existing home and auto to protect your assets such as bank accounts, investments, property, and even future earnings.
Some umbrella policies are designed to offer excess coverage above and beyond your primary insurance while others are designed to fill gaps in your existing insurance. Umbrella policies are not without their limitations, but they are known to have fewer and less restrictive exclusions and overall provide broader coverage.
A personal umbrella policy offers coverage typically ranging from 1 million to 5 million dollars. The annual cost for an umbrella policy starts between $150 and $200.
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