UMBRELLA

Umbrella insurance, sometimes referred to as personal umbrella policy, is a supplemental liability policy that can help protect your assets when there is an unexpected event that requires more coverage than you have with your vehicle or property policies. An umbrella policy provides an additional layer of coverage on top of what you already have.

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What is typically covered by umbrella insurance?

• Injuries you cause to others

• Damage you cause to other people's property

• Injuries or damage caused by your renters

• Certain lawsuits, like slander and defamation

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Why buy umbrella insurance?

• Without an umbrella policy, your home and savings could be at risk if you're involved in a major accident or lawsuit.

• Liability claims are often expensive and paying out-of-pocket for one could take years.

• Lawsuits can happen to anyone. You can be sued regardless of your financial situation or whether you believe you are at fault.

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How is an umbrella insurance policy different from raising policy limits?

• An umbrella policy can add $1 million** in coverage to several policies or where raising limits is not an option—and may cost less than raising limits 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.