What is an umbrella insurance policy?
Umbrella insurance provides coverage beyond your homeowners or auto insurance, adding an extra layer of security to protect your personal savings.
Who needs umbrella insurance?
You should consider umbrella coverage if you participate in activities where you could be sued or liable for damages if you're involved in an accident.
How does umbrella insurance work?
Let's use the example of a young driver hurting a pedestrian while driving an insured vehicle.
Total Accident Cost = $750,000
Your Auto Policy Bodily Injury Limit = $500,000
Umbrella Insurance = $1,000,000
Without an umbrella policy, you would be liable for the excess amount of $250,000 plus attorney fees, out of your personal savings.
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