What Is Umbrella Insurance and Do You Need It?
More Protection When Your Liability Limits Aren't Enough
Your homeowners or auto insurance policy can provide important protection, but every policy has limits.
What happens when a serious liability claim goes beyond those limits?
Umbrella Insurance can provide an additional layer of personal liability protection above the limits of certain underlying policies, subject to the policy's terms, conditions, exclusions, and requirements.
Why Consider Umbrella Insurance?
Unexpected situations can happen to anyone.
For example, you could face a significant liability claim following an accident involving your vehicle or an incident on your property. If the claim exceeds the liability limits of your underlying insurance, you could potentially be responsible for amounts beyond those limits.
An umbrella policy may provide additional liability protection for covered claims once the limits of the underlying policies have been exhausted.
Who Might Consider Umbrella Insurance?
Umbrella coverage may be worth discussing if you:
Own a home or multiple properties
Have significant savings or other assets
Own vehicles
Frequently host guests
Have rental or investment properties
Want additional personal liability protection
Your individual insurance needs depend on your circumstances, assets, existing coverage, and the terms of the available policies.
☂️ Want to Explore Your Options?
You don't have to figure out your insurance needs alone.
Message UPIX Insurance for a free quote and let us help you explore whether additional liability protection may make sense for you.
