Umbrella Insurance Gives You Extra Protection From Accidents And Lawsuits
Umbrella insurance can give you up to $5 million in coverage on top of your auto and homeowners policy limits. If you injure someone or damage their property, you might not have enough coverage. A personal umbrella policy could save you from paying out of your own pocket.
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What Situations Could Umbrella Insurance Cover?
- Injuries to other people if you’re at fault.
- Damage to other people’s property.
- Injuries or damage caused by your renters.
- Certain lawsuits, like slander and defamation.
Why Buy Umbrella Insurance?
- Without an umbrella policy, you could lose your home and savings due to a major claim.
- Liability claims are often expensive. You might have to work for years to pay off a claim.
- Lawsuits can happen to anyone. You can be sued even if you’re not wealthy or at-fault.
How Is An Umbrella Insurance Policy Different From Raising Policy Limits?
- Can add $1 million* in coverage to several policies—and may cost less than raising the limits on other policies individually.
- May cover situations that your other policies may not, such as slander, or libel lawsuits.
- Can cover the cost of your legal defense in case of a liability lawsuit.