Personal Umbrella Insurance
Personal Umbrella Insurance Quote Forms
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Personal Umbrella Insurance Information
Protect yourself from a scenario where typical insurance coverage isn't enough with a personal umbrella policy. A personal umbrella insurance policy can help cover claims over your existing homeowners, renters, automobile and watercraft insurance policy limits.
What Is Personal Umbrella Insurance?
Umbrella insurance is a type of personal liability insurance that can be critical if you’re liable for a significant claim that is more than your standard liability coverage.
A personal umbrella insurance policy may even cover certain types of liability claims such as libel, slander and false imprisonment. If you own rental property, you may be able to get coverage beyond what your commercial liability and property policies cover.
Is Personal Umbrella Insurance Required?
Personal umbrella insurance is valuable coverage, but it is not required. An umbrella policy can protect the insureds on existing liability policies. Without umbrella coverage, you’re liable to pay additional expenses if those expenses exceed the policy limits making your personal assets including your house, vehicle, financial and retirement accounts and any future income vulnerable.
Generally, it’s recommended that you purchase umbrella insurance if there’s the likelihood that you might be sued—which could be anyone. Therefore, because coverage is relatively inexpensive, it may be a worthwhile policy to have for peace of mind.
Protect Your Financial Livelihood
Personal umbrella coverage can protect you, your family and your finances if something unfortunate happens.
Personal umbrella liability insurance provides an extra layer of protection over your assets when your standard liability coverage is exhausted. Protect your financial future with a policy from the Niceville Insurance Agency. Call us at 850-729-2131 to get the protection you need.
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