Personal Liability Umbrella

When it rains it pours. Especially, it seems once you’ve been at fault in a serious car accident. Do you have Umbrella Coverage? If you are unsure, then you probably don’t have a Personal Liability Umbrella policy.

A Personal Liability Umbrella Policy “sits-over” your home and auto liability limits. Coverage starts at $1,000,000 and provides you protection from lawsuits.

Coverage is relatively inexpensive to purchase. $1,000,000 of coverage, sitting over two autos and a home, would cost about $180 annually.

Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/$500,000 per accident.

In addition  to coverage limits, insurance companies provide legal defense. So, when you purchase higher limits you are also purchasing improved legal defense.