PERSONAL INSURANCE
Personal Umbrella Insurance
Serious accidents can create liability claims that exceed the limits of a home or auto policy. Personal umbrella insurance provides an additional layer of protection for your assets and financial future.
UNDERSTANDING YOUR COVERAGE
Protection Beyond Your Primary Policies
Personal umbrella insurance generally provides additional liability coverage after the limits of certain underlying policies have been exhausted. Depending on the policy, it may also cover certain personal liability claims excluded by the underlying insurance.
What Personal Umbrella Insurance May Cover
Bodily Injury Liability - Additional protection when you are legally responsible for seriously injuring another person.
Property Damage Liability - Additional protection for significant damage you cause to property belonging to someone else.
Auto-Related Liability - Liability exceeding the limits of an underlying personal auto policy.
Home-Related Liability - Certain claims arising from your home, property, or personal activities after underlying limits are exhausted.
Landlord Liability - Certain liability claims involving a rental property you own when appropriate underlying coverage is maintained.
Personal Injury Claims - Certain claims involving libel, slander, defamation, invasion of privacy, or similar personal offenses.
WHO NEEDS PERSONAL UMBRELLA INSURANCE
More to Protect Than You May Realize
Umbrella insurance is not only for the exceptionally wealthy. A serious liability claim may place savings, property, investments, and future income at risk.
You may benefit from additional liability protection if you:
Own a home or rental property
Have savings, investments, or other significant assets
Have a teen or inexperienced driver
Own a pool, trampoline, or recreational property
Own a boat, RV, motorcycle, ATV, or other recreational vehicle
Frequently host guests
Have a dog or other animal
Volunteer, coach, or serve on a nonprofit board
Travel frequently
Want greater protection for future earnings
KNOWING THE LIMITS
Umbrella Coverage Has a Foundation
An umbrella policy does not replace your home, auto, or other primary insurance. It typically requires you to maintain specified underlying policies and liability limits before the additional protection applies.
Underlying Limits - Required liability limits must be maintained on applicable home, auto, watercraft, or other underlying policies.
Business Activities - Claims arising from a business or professional service generally require commercial coverage.
Damage to Your Property - Umbrella insurance addresses liability to others, not damage to your own home, vehicle, or belongings.
Intentional Acts - Injury or damage caused intentionally is generally excluded.
Contractual Obligations - Liability accepted solely through a contract may not be covered.
Certain Vehicles or Properties - All homes, rental properties, vehicles, and watercraft may need to be disclosed and properly insured.
GUIDANCE FROM LEGACY
An Extra Layer of Confidence
Your assets, activities, properties, drivers, and existing liability limits all help determine whether umbrella coverage fits your needs. Tell us a little about what you want to protect, and a member of Legacy will contact you to discuss your options.
Coverage descriptions are provided for general informational purposes only. Actual coverage, limits, conditions, and exclusions vary by policy and insurer. The terms of the issued policy control in the event of a claim. Coverage cannot be bound, changed, or canceled through this website or by submitting an online form.