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Personal Umbrella Insurance = Peace of Mind

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

What's Peace of Mind Worth to You?

An umbrella insurance policy provides additional layers of liability protection. If the liability limits are exhausted on your home insurance, car insurance, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional insurance protection. The cost for umbrella insurance is minimal compared to the comfort of knowing you're covered.

Do You Have Enough Liability Insurance?

Imagine if your dog were to bite a neighbor's child. Or if there's an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happen to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets — or your future earnings.

Umbrella Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home insurance, auto insurance, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home insurance, car insurance, or other underlying insurance. The policy covers not just you but your spouse and all family members living in your household anywhere in the world. Legal defense fees are also paid.

Umbrella Insurance Policies Typically Cover

• Liability judgments that exceed the liability coverage limits on your home and car insurance policies.
  • Umbrella insurance kicks in once the limits of your base policy (home insurance or auto insurance) are exhausted.
  • Your umbrella pays for any overages (covered by your insurance policy), up to the umbrella insurance policy limits.
• Instances when you, your child, or your pet cause bodily injury or property damage.
• Personal injuries, such as:
  • Libel and slander (when you say or write things that defame someone’s character)
  • Invasion of privacy
  • Wrongful entry
  • False arrest
  • False imprisonment
  • Malicious prosecution
• Legal fees and defense costs.

Umbrella Insurance Policies Don’t Usually Cover

• Punitive damages (punishment by fine for actions or behaviors deemed reckless or outlandish by the court)
• Intentional acts
• Liability claims related to a business you own (you will need a separate business insurance policy for that)

Details, Details…

• Make sure an umbrella insurance policy is right for your needs - sometimes it’s better just to raise the limits on your home or car insurance… But ask one of our Seattle umbrella insurance agents. Usually umbrella insurance is the cheapest insurance option.
• Most insurance companies require you to have particular liability limits (usually $100,000 per person for auto and $100,000 for home) on your homeowners or car insurance policies in order to get umbrella insurance.
• Home insurance policies do not have any coverage for “personal injury” - you should take this into consideration when deciding whether to add umbrella insurance coverage to your financial protection arsenal.
• You’ll usually pay the best insurance rate if you ensure your homeowners, auto, and umbrella insurance are all with the same insurance company.
• If you’re sued because of work you’ve done on the board of a religious, civic, or charitable organization, some umbrella insurance policies will cover you. Ask your agent.