Umbrella Liability Coverage (Excess Liability) covers you for Liability above and beyond your Homeowners Insurance (Condo, Renters, etc.) and your Auto Insurance. Your Homeowners and Auto policies provide liability insurance up to the limit shown on your policy. As an individual, if you are sued, your homeowner policy and/or Auto policy will pay up to that limit only. With an Umbrella, you are provided an additional limit of Liability to cover you above that amount. Insurance carriers usually require higher limits on your Auto liability limits and a minimum amount of Liability limit on your Homeowners insurance.
Umbrella Insurance typically covers the following:
Umbrella Insurance typically does not cover the following:
While Umbrella Insurance isn’t mandatory, it is highly recommended if you own your home, own a business, or have assets (401k, rental properties, etc.). Umbrella coverage will protect you from losing these assets.
American Integrity Insurance Solutions is an independent insurance consulting agency that partners with dozens of carriers to provide people with unbiased advice on a variety of insurance products.
Our team is readily available to craft a policy that custom fits to your needs. We promise to not only provide a policy fulfilling your specific needs, but also to help you understand how and what it protects you against.