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Review how an umbrella policy may fit alongside your existing liability insurance, subject to policy terms and underwriting.
Price depends on your home, vehicles, drivers and the limit you choose. An agent can quote it alongside your home and auto.
A serious accident can lead to a claim larger than your auto or home liability limit. The umbrella pays covered amounts above those limits, up to its own limit.
Households with teen drivers, a pool, a dog, rental property or savings and assets to protect.
Umbrella policies require minimum underlying limits on auto and homeowners policies.
An umbrella policy may provide additional liability protection above specified underlying policies. Confirm how the terms apply to a particular claim.
Bodily injury protection depends on the umbrella policy, underlying coverage, insured parties and exclusions.
Property damage liability is subject to policy limits, conditions and exclusions. It does not insure your own property.
Some policies address specified personal injury offenses. Review definitions and exclusions before assuming an allegation is covered.
Defense provisions vary. Confirm whether costs reduce limits and how defense duties are handled.
Rental properties must be disclosed and accepted under the applicable terms. Do not assume every owned property is included.
Vehicles and watercraft may require disclosure, underlying coverage and insurer acceptance. Check each item.
Exclusions and restrictions vary. Review business, professional, intentional-act and other excluded exposures with your agent.
| Review topic | Question to ask |
|---|---|
| Underlying policies | Which policies and minimum limits are required? |
| Insured parties | Who and what activities are included? |
| Exclusions | Which claims or uses are excluded? |
| Cost and limits | Which options are available for my circumstances? |
These discussion points are educational. A limit selection requires an individual review of exposures and available policy terms.
A serious liability claim can raise questions about how underlying and umbrella policies interact. Review both policies before relying on an additional limit.
An umbrella policy is not a promise that every judgment or expense will be paid.
Discuss existing policies, required underlying limits, covered parties and exclusions before choosing extra liability coverage. Read the NAIC umbrella overview.
The policy describes when an additional liability layer responds and how it relates to underlying insurance. Check both sets of terms.
Pricing depends on underwriting, location, exposures, underlying insurance and requested limits. Request an individual review.
Consider your liability exposures, assets and contractual requirements. Discuss available limits and terms with a licensed professional.
Insurers specify which underlying policies and limits must be maintained. Confirm those requirements before purchasing.
Personal and commercial exposures require separate review. Do not assume a personal umbrella covers business or professional activities.
Rental property use must be disclosed and accepted. Check the applicable underlying and umbrella policy terms.
