Umbrella insurance is a liability policy that provides additional liability coverage beyond that covered in a standard policy.
Let’s say your current auto insurance policy carries a $500,000 liability limit and your homeowner’s policy, a $1,000,000 liability limit. If you purchase a million dollar personal umbrella insurance policy, your umbrella coverage would be $1,500,000 on an auto liability claim and $2,000,000 on a homeowner’s liability claim.
Do You Need a Personal Umbrella Insurance Policy?
Your home and auto insurance should provide adequate liability protection; however, if you think you need a personal umbrella policy, our insurance experts can assess your situation and help you decide.
At HDF, We Work For You to make sure you’re covered. Contact us today with your questions. It’s always a free consultation.