Home Page About Us Contact Us
Home > Umbrella > Umbrella Liability FAQ
  • Main Menu
    • Home Page
    • Make a Payment
    • Refer a Friend
    • Join Our Newsletter
    • Calculators
    • Insurance Glossary
    • Location Map
    • Employee Directory
    • Contact Us
    • Privacy Policy
  • Automobile
    • Automobile Insurance Home
    • Auto Insurance Quote
    • Request ID Card for Auto Policy
    • Request Declaration and Coverages Page for Auto Policy
    • Auto Accident Claim
    • Auto Quote Form (short)
  • Homeowners
    • Homeowners Insurance Home
    • Homeowners Insurance Quote
    • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
    • Manufactured Home Quote
    • Property Loss Claim Form
    • Homeowner Flood Quote Form
    • Request Evidence of Insurance
  • Renters
    • Renters Insurance Home
    • Renters Insurance Quote
    • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
    • Renters Property Loss Claim Form
  • Motorcycle
    • Motorcycle Insurance Home
    • Motorcycle Insurance Quote
    • Request ID Card for Motorcycle Policy
    • Request Declaration and Coverages Page for Motorcycle Policy
    • Motorcycle Accident Claim
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Commercial Auto Insurance Quote
    • Request ID Card for Commercial Auto Policy
    • Request Declaration and Coverages Page for Commercial Auto Policy
    • General Liability Quote Form
    • Request General Liability Certificate of Insurance
    • Commercial Auto Accident Claim
    • Business Owners (BOP) Quote Form
  • Farm
    • Farm Insurance Home
    • Farm Quote Request
  • Recreational Vehicle
    • Recreational Vehicle Insurance Home
    • Recreational Vehicle Insurance Quote
    • Request ID Card for Recreational Vehicle Policy
    • Request Declaration and Coverages Page for Recreational Vehicle Policy
  • Life
    • Life Insurance Home
    • Life Insurance Quote
    • Term Life Insurance Quote
    • Request Declaration and Coverages Page for Existing Life Insurance Coverage
  • Flood
    • Flood Insurance Home
    • Flood Quote Form
    • Request Declaration and Coverages Page for Existing Flood Insurance Coverage
    • Flood Property Loss Claim Form
  • Trucking
    • Trucking Insurance Home
    • Truck Quote Request
  • Watercraft & Boat
    • Watercraft & Boat Insurance Home
    • Watercraft Insurance Quote
    • Request ID Card for Watercraft Policy
    • Request Declaration and Coverages Page for Watercraft Policy
    • Watercraft Accident Claim
  • Other
    • Other Insurance Home
    • Policy Review Request



Choose a topic:
Auto Insurance Home Insurance Umbrella Liability Insurance Fraud Long Term Care

Umbrella Liability FAQ

Why have it? What is it? Who needs it?

Skyrocketing court settlements and medical costs can cause uneasy feelings about the adequacy of insurance protection.  Liability insurance pays for injuries to others due to negligent acts by you or another covered person on your policy.  Although the liability insurance provided under a home or auto insurance policy is adequate for most situations, in a few instances large lawsuit settlements do approach or exceed the limits of these policies.

An umbrella liability policy is designed to give you peace of mind from this concern.  It adds one million dollars (or multiples of $1 million) of protection to the liability limits of your home and auto insurance policy. * Should a judgment against you exceed the limits of that policy, the umbrella picks up the unpaid portion up to the umbrella policy limit.

Persons most likely to purchase an umbrella policy are:

  • "Likely "targets" for a large lawsuit--professionals, business owners, property owners, higher income individuals, etc.
  • Those who want greater peace of mind knowing that their life savings will be protected from a financially devastating lawsuit.

Coverage cost varies, but it is generally $140 to $200 per year for a $1 million limit.  If you would like more information on this topic, please call us.  We will be happy to discuss it with you.

*The umbrella can also increase the liability limit for your boat, rental property, motor home, recreational vehicle, motorcycle, vacation home and others.

Home Page About Us Contact Us