Insurance guide
Umbrella Insurance: When Additional Liability Protection Matters
An umbrella policy can add liability limits above qualifying home and auto policies.
A personal umbrella policy generally provides additional liability protection after the required limits of an underlying home, renters, condo, landlord, or auto policy are exhausted. It may also cover certain claims not addressed by an underlying policy, subject to its terms.
Additional protection can be important for households with income, savings, property, youthful drivers, rental properties, pools, pets, or other exposures that could lead to a serious liability claim.
Umbrella insurers usually require minimum underlying liability limits and disclosure of vehicles, properties, drivers, and other exposures. Review all underlying policies together so the required limits remain in place.