Get extra liability coverage in one easy step
Personal Umbrella Liability is an affordable way to protect your family, assets and future earnings. It’s a valuable addition to your Home policy and it extends liability coverage to your auto, home, watercraft policies and more*.
It also covers claims that are typically excluded under regular policies, such as libel, slander, defamation of character, wrongful entry or eviction, false arrest, false imprisonment or wrongful detention.
Would you have enough coverage in the case of a liability lawsuit?
Here are some examples of how Personal Umbrella Liability coverage can work for you. Each assumes you have met the eligibility criteria and purchased $2 million in Personal Umbrella Liability.
- Vacation mishap: You are on vacation at a luxury resort. One night, you fall asleep with a lit candle in your hotel room, which falls over and starts a fire. The hotel sues you for $1.7 million in damages. Your Home policy would cover $1 million, and your extra liability protection would cover the remaining $700,000.
- Hockey injury: While playing hockey, your son seriously injures another player by accident. The parents of the injured player sue you for $3 million. Your Home policy would cover $1 million in liability, while the Personal Umbrella Liability would cover the remaining $2 million, your policy limit.
- Snowmobile accident: On a snowmobile outing, you accidentally injure three people. Each person sues for $2 million. Your Personal Umbrella Liability would help cover all injured parties up to your policy limits.
With Personal Umbrella Liability, you can choose to add from $1 million to $5 million of liability coverage over and above your current policy limits, and with no deductible.
Talk to us today to find out how much coverage is right for you.
*Some restrictions apply.