We offer free, comparative quotes on personal umbrella insurance from multiple carriers so you can get the best possible rate.
You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a multi-dollar demand is more common. If you receive a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.
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The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific policy of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any policies of insurance. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverages.