What Is An Umbrella Insurance?

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Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations.

An umbrella insurance policy helps protect your assets and your future in two important ways:

1. Umbrella insurance may provide coverage when your homeowners, auto, and boat insurance policies limits are exhausted.
2. Umbrella insurance provides coverage for claims that may be excluded by other liability policies including claims like false arrest, libel, slander, and liability coverage on rental units you own.

Umbrella insurance provides coverage beyond the limits of your other insurance policies, or for claims that may not be covered by liability policies. Umbrella insurance generally provides liability coverage for:

• Injuries
• Damage to property
• Certain lawsuits
• Personal liability situations

You're thinking, "I have auto and homeowners insurance that covers some of these situations." True! But umbrella insurance insures you above and beyond the limits of those policies and covers some situations not covered by the other types of policies.