UMBRELLA INSURANCE

You’ve worked hard for your car, home, savings — your success. And personal umbrella insurance coverage can help you protect these assets from the unexpected.

Umbrella insurance provides additional liability coverage — over and above the limits on your auto and other personal liability policies. This extra protection is available in $1 million increments up to $10 million. And $1 million of coverage can cost less than $1 a day.

It’s an affordable way to keep an extraordinary event from becoming a financial life-changer. Consider: The average jury award for auto accidents involving bodily injury and property damage exceeds $300,000. Liability awards for accidents in the home can be just as substantial.

A standard umbrella policy provides additional liability coverage for:

•       Your primary residence

•       Two motorized vehicles

•       Small Sailboats

•       Motorboats with fewer than 50 horsepower

But you can also add optional umbrella coverage for other property and situations: Additional motorized vehicles; secondary or vacation residences; rental properties; unlicensed recreational vehicles; jet skis and jet sleds, vacant land; and uninsured/underinsured motorists.

Enjoy features you might not expect

Personal umbrella insurance follows you anywhere in the world, and features additional coverage your underlying policies might not include. For instance: It can help with legal fees and damages if you’re accused of slander in a social media post.