Are You Really Protected?
Whether it’s a serious at-fault auto accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters or boat policy. An Umbrella policy can help protect your assets and provide additional insurance protection.
Why You Need Umbrella Coverage
Extra Liability Protection
Provides an additional layer of liability coverage above and beyond your auto, homeowners, renters, or boat policies when those limits are exhausted.
Asset Protection
Helps protect your personal assets including savings, investments, home equity, and future earnings from large liability claims or lawsuits.
Legal Defense Coverage
When you require legal defense for a covered claim, the policy helps cover defense costs such as attorney’s fees and other legal expenses.
Broader Coverage
May cover certain liability claims that aren’t covered by your underlying policies, such as libel, slander, and false imprisonment claims.
Real-World Example: Coverage Gap
The driver in this example was involved in an at-fault accident that resulted in serious injuries to the other driver. The at-fault driver was sued, and the lawsuit resulted in a judgment as shown below:
| Judgment amount: | $1,500,000 |
| Auto liability limit: | $500,000 (maximum payout on the policy) |
| Gap in coverage: | $1,000,000 (what the driver owes) |
~$17/month
For a policy with $1 million limit of liability*
Flexible Coverage Limits
To make it easy for you to get the right level of coverage for your specific needs, we offer limits ranging from $1 million to $10 million for customers meeting eligibility criteria. Your agent can work with you to develop a customized “At Risk” worksheet to determine what level of coverage is appropriate for your needs.
Who Should Consider Umbrella Coverage?
Umbrella insurance is especially important if you:
What Umbrella Insurance Covers
How to Get Started
To secure umbrella liability protection, you’ll need:
Protect What Matters Most
Contact an independent agent today to discuss your umbrella insurance options and find the right level of protection for your needs.
Contact an AgentOr call 1-800-942-0904
*Price example is for a policy with a $1 million limit of liability and standard deductibles, for a single-vehicle risk with no youthful operators. Actual price will vary based on location, amount of coverage, and underwriting characteristics. All coverages are subject to policy terms, conditions, exclusions, and individual underwriting qualifications.