A Personal Umbrella Policy protects your family’s liability for personal injury or damage to others’ property.

Typically covered:

• Bodily injury claims against you, over and above your home and auto liability limits.

• Property damage you're found liable for

• Certain personal liability situations, like libel or slander claims

• Legal defense costs tied to a covered claim 

Not covered:

• Damage to your own property

• Business-related liability which requires a commercial policy

• Intentional or criminal acts

• Contractual liability you've agreed to separately

Umbrella insurance policies are built to kick in after your underlying home or auto liability limit is exhausted, not replacing it. Think of it as the layer that catches everything your base policies do not.