A personal umbrella policy provides an additional layer of liability protection that sits above your existing auto, home, and watercraft policies. For a surprisingly low annual premium, you can extend your coverage by million to million or more — protecting your savings, home, and future earnings from catastrophic lawsuits.
What Does Personal Umbrella Insurance Cover?
- Excess liability above your homeowners, auto, and watercraft policy limits
- Legal defense costs beyond your primary policy’s limits
- Coverage for libel, slander, and defamation claims
- Worldwide liability coverage in most cases
- Protects wages, savings, investments, and future income
- Rental property liability above your landlord policy limits
- Coverage for incidents involving household members and domestic employees
- No per-incident deductible on most umbrella policies
When Do You Need an Umbrella Policy?
Consider a personal umbrella if you own a home with a pool or trampoline, have teenage drivers, host frequent gatherings, own rental property, have significant assets to protect, or coach youth sports. One serious auto accident or injury on your property can easily generate a lawsuit that exceeds your standard liability limits.
How Umbrella Coverage Works
Your primary policies (home, auto) handle claims up to their limits. If a claim exceeds those limits, the umbrella policy activates for the amount above — up to the umbrella limit. For example: a .5 million lawsuit where your auto liability limit is ,000 would leave million exposed without an umbrella. With a million umbrella, you’re fully covered.
Get Personal Umbrella Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Personal Umbrella Insurance options from multiple top-rated carriers to find the best combination of price and protection for your situation. Call us at (321) 235-7377 or request a free quote online.