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Umbrella Insurance

The Basics of Umbrella Insurance

Umbrella coverage is a form of liability insurance. It is a supplement to home, auto, or other basic liability policies that provides additional coverage. The purpose is to provide additional asset protection for incidents such as accidents and other emergencies. With this policy, you can pay for things such as bodily injury and property damage expenses that are more than the liability provided by your regular policies. You can also pay for legal fees, settlements, and other fees associated with false arrest, libel, and slander.

Recommended for Protecting Assets

If you want liability coverage above what is offered by standard policies, then you can benefit from this coverage. It provides a way for you to protect your assets from financial liability.
It helps pay for damages, lawsuit expenses, legal fees, and more. When your standard insurance is done, then umbrella coverage takes care of what’s left. How much they will pay depends on how much coverage you purchase.


You will choose a dollar amount of coverage that you feel is sufficient. You should consider if there are any specific liability riders, options, or other coverage factors to consider. Everything you add will affect the price of your premium, but the price is worth it if you’re in need of additional liability protection.

Benefits of Coverage

Umbrella insurance relieves you of any financial responsibility that remains after your insurance is depleted. If you cause an accident or injury to someone else, then you might find yourself responsible for damages, legal fees, or other expenses. Umbrella insurance will help after your existing insurance policy has done its job.