What is umbrella insurance?

Umbrella insurance provides extra liability coverage that kicks in after your auto or home insurance limits are reached. Think of Umbrella insurance as a safety net for your safety net. While your Auto and Homeowners policies have liability limits, a major lawsuit can easily exceed them. An Umbrella policy provides an additional $1 million to $5 million in coverage, protecting your savings, home, and future earnings from legal judgments.

What Does Umbrella Insurance Cover?

• Excess Liability: Coverage that kicks in after your auto or home limits are exhausted.
• Personal Injury: Protection against claims like libel, slander, or false arrest.
• Worldwide Coverage: Your protection follows you anywhere in the world.
• Legal Defense: Covers the high cost of lawyers and court fees, even if the suit is groundless.

Do I Really Need This Umbrella Insurance?

You don't have to be a millionaire to be sued like one. In Pennsylvania and Maryland, a serious multi-car accident or a guest slipping on your property could lead to a judgment far higher than a standard $300,000 policy limit. If you have a home, a retirement account, or a steady paycheck, you have assets worth protecting. Umbrella insurance is one of the most affordable ways to ensure a single mistake doesn't result in a lifetime of debt.

Does Umbrella insurance cover my own injuries?

No. Umbrella insurance is a liability policy, meaning it protects you when you are responsible for damage or injury to others. Your personal health or property damage should be covered by your medical or homeowners policies.

Can I bundle Umbrella Insurance with my Auto insurance?

Yes! In fact, most carriers require you to have your auto or home insurance with them to add an umbrella policy. Bundling often triggers additional multi-policy discounts.