Personal umbrella insurance: a lot of liability protection for a little money
An umbrella policy sits on top of your home and auto liability and extends the limit — often adding $1–5 million — for a relatively small premium.
An umbrella (or excess liability) policy sits on top of your home and auto liability and extends the limit — typically adding $1–5 million — for a relatively small premium.
Who should consider it
Anyone with meaningful assets to protect, a pool, a trampoline, teenage drivers, rental property, or a public profile. A serious at-fault auto injury or a guest's injury can generate a judgment far beyond your base auto/home liability limits; the umbrella covers the excess.
How it works
It kicks in once your underlying policy limits are exhausted, and it can also cover some liability your base policies exclude. It's often the cheapest coverage per dollar of protection you can buy.
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