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Personal Umbrella Insurance

› Personal Insurance › Personal Umbrella Insurance

Personal umbrella insurance coverage for many itemsHaving insurance is a necessity in today’s world. You never know what may happen to your health or whether or not you may have an accident. Choosing the appropriate insurance for you and your family can make all the difference should circumstances change. In a nutshell, Personal Umbrella Insurance coverage is designed to add an additional layer of liability coverage to another insurance policy.

Personal Umbrella Insurance Coverage

Primarily, this policy is intended to help policyholders should an especially significant liability claim be filed, and the underlying liability limit has already been reached.

The areas most commonly covered include:

Personal Injury

Personal injury cases are when there is a physical injury rather than damage to property.

Bodily Injury

Bodily injury cases are when there is physical harm that may be covered under your policy.

Third Party Property Damage

Property damage is when there is damage to one’s car or home.

Landlord Liability

Landlord liability claims are when physical or property damage occurs at a rental property.
Keep in mind, the details of the claims listed above will determine whether or not the umbrella coverage will cover the costs. Also, your primary insurance will need to be exhausted before the Personal Umbrella Insurance kicks in.

What Doesn’t a Policy Cover?

Personal umbrella insurance coverage saving money Keep in mind; Personal Umbrella Insurance coverage does not cover all types of losses. Here are a few of the blind spots that are not covered by Umbrella Insurance.

Business Losses

Business losses are not included in an Umbrella Insurance policy. This includes home-based businesses, malpractice lawsuits, or any funds obtained while holding a position with a non-profit group.

Criminal Acts

Criminal acts are not covered under Umbrella Insurance, even if there is restitution associated with your criminal act.

Contracts

Both written and verbal contracts are usually not covered by an Umbrella Policy. For instance, if you pay a person to renovate your home and fail to do the work after you pay them, then Umbrella Policies will not likely help you recoup those costs.

Personal Belongings

Another interesting thing about an Umbrella Policy is that while it may cover the losses of another person’s personal property, it is unlikely to cover the personal belongings of the policyholder.

Who Should Acquire a Policy?

Virtually anybody can benefit from an additional Umbrella Insurance policy since anyone can be involved in a high-cost claim. Another added benefit of this type of policy is that it usually can cover other family members such as your spouse or children. For many people, a Personal Umbrella Insurance policy is that extra layer of coverage if your primary policy is not enough.

Speak To The Personal Umbrella Insurance Brokers

Team of personal umbrella insurance agentsAre you curious to know more about Personal Umbrella Insurance policies? Please reach out to us at Southern States Insurance. We are more than happy to walk you through the pros and cons of different insurance types so you can make the best decision for you and your family. Contact us to learn more by calling 888.971.6304 or by requesting a quote online today.

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*Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

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Disclaimer

*The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.”

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