Umbrella Liability Insurance

Umbrella insurance is a special type of liability insurance that provides coverage for liabilities above and beyond the standard or basic automobile or homeowner's insurance policies.

One of the most confusing aspects about umbrella insurance is that it isn't really "insurance" in itself, but rather a way to increase the limits on your current policies - whether you're looking for rental car coverage or homeowners' limits.

Umbrella policies are meant to help protect you against lawsuits that could be settled using your basic policy limits.

Umbrella insurance provides an additional layer of liability coverage that is available when all homeowners' policies have been used up.

Umbrella insurance generally provides liability coverage for:

• Injuries
• Damage to property
• Certain lawsuits
• Personal liability situations

Umbrella insurance does not cover bodily injury or property damage inflicted intentionally by the policyholder or a family member. This type of personal liability coverage may also not cover any intentional acts involving the insured's business.

Many people carry umbrella insurance on top of their auto and homeowner's insurance policies to protect them from financial liability whenever they are involved in an accident.

This type of personal liability coverage also protects against injuries and property damage.

If you want to protect your assets against damages resulting from a liability claim or lawsuit, you should consider purchasing some form of liability coverage.

Umbrella insurance is one type of liability coverage that may help provide financial security for drivers who are sued because of an accident.

An umbrella insurance policy helps protect your assets and your future in two important ways:

1. Umbrella insurance may provide coverage when your homeowners, auto, and boat insurance policies limits are exhausted.
2. Umbrella insurance provides coverage for claims that may be excluded by other liability policies including claims like false arrest, libel, slander, and liability coverage on rental units you own.