What's Covered
Excess Liability Coverage
If a claim exceeds your home or auto limits
Provides higher liability limits that step in when a serious claim goes beyond what your underlying policies cover.
Bodily Injury Liability
If you’re liable for a serious injury
Offers additional protection for injury claims involving extensive medical care, long-term treatment, or significant damages.
Property Damage Liability
If multiple parties or properties are affected
Helps cover large property damage or injury claims when a single event impacts several vehicles, properties, or individuals.
Personal Injury Coverage
If you face a lawsuit beyond physical injury claims
Extends protection to claims such as libel, slander, or defamation that may not be fully covered under standard insurance policies.
Excess Liability Coverage
If a claim exceeds your home or auto limits
Provides higher liability limits that step in when a serious claim goes beyond what your underlying policies cover.
Bodily Injury Liability
If you’re liable for a serious injury
Offers additional protection for injury claims involving extensive medical care, long-term treatment, or significant damages.
Property Damage Liability
If multiple parties or properties are affected
Helps cover large property damage or injury claims when a single event impacts several vehicles, properties, or individuals.
Personal Injury Coverage
If you face a lawsuit beyond physical injury claims
Extends protection to claims such as libel, slander, or defamation that may not be fully covered under standard insurance policies.
Who's Covered
Individuals Who Want Protection from Personal Liability Beyond Physical Accidents
Some risks aren’t tied to car crashes or home incidents. Claims like libel, slander, defamation, or false arrest can create unexpected legal and financial exposure. Umbrella coverage helps protect you from these non-physical liability claims that standard policies may not fully cover.
Families with Higher Everyday Exposure to Risk
Households with teen drivers, frequent guests, dogs, pools, or active lifestyles face a greater chance of liability claims. An umbrella policy adds a critical layer of protection if an accident leads to significant injury or damage.
People with Assets They Want to Protect
Anyone with savings, property, or future income to safeguard benefits from the extra protection an umbrella policy provides. A major claim or lawsuit could put personal finances at risk, and umbrella insurance helps shield what you’ve built.
Real-Life Scenarios
A neighbor claims you damaged their reputation
A casual disagreement escalates, and a neighbor claims something you said harmed their reputation. They file a personal injury claim. Your umbrella policy helps with legal defense and potential settlement costs not included in your standard coverage.
Coverage Applied:
Personal Injury Liability
Your child accidentally damages property at a friend’s home
Your child bumps into a display shelf during a visit, causing several valuable items to break. The total cost to replace them goes beyond what your home policy covers. Your umbrella policy steps in to cover the remaining amount.
Coverage Applied:
Excess Liability
Property Damage
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Your dog knocks someone over during a walk
While out on a walk, your dog pulls forward and accidentally knocks down a passerby. Their medical costs and time away from work end up exceeding your homeowners liability limit. Your umbrella policy provides the extra protection needed to cover the full claim.
Coverage Applied:
Excess Liability
Umbrella Insurance
Extra liability protection that goes beyond your auto and home insurance limits.
Real-Life Scenarios
See how auto insurance protects you in real-world situations
You rear-end another vehicle during rush hour traffic. Your auto insurance covers the damage to the other vehicle, medical expenses for injured passengers, and repairs to your own car.
Coverage Applied:
A sudden hailstorm damages your car while parked. Comprehensive coverage pays for the repairs to your vehicle's body and windshield.
Coverage Applied:
An uninsured driver runs a red light and hits your car. Your uninsured motorist coverage pays for your medical bills and vehicle repairs.