What is an umbrella liability policy and do I need one?

An umbrella liability policy protects you and your covered family members in the event of a lawsuit. It is an extension of the personal liability coverage offered in a standard home insurance policy. There are exclusions for each umbrella policy, however, most will cover:

  • Lawsuits involving claims of bodily injury or property damage that are caused by you and/or a member of your home
  • Lawsuits involving claims of bodily injury that occur on your property or due to hazards on your property
  • Additional coverage above your auto policy limits for auto related claims
  • Protection against personal injury claims such as libel, slander, wrongful eviction and false arrest.
  • Costs for legal defenses for a covered loss, including court and attorney fees

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About this content: The content included on this webpage in no way guarantees coverage for any type of insurance policy or policyholder. This is to be used as a general guide for insurance information and any specific coverage questions should be presented to your insurance agent.