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Umbrella Insurance Coverage Q&A

Learn more about what a personal umbrella policy covers.

Personal umbrella protection provides liability coverage above your auto and homeowners insurance and adds additional coverages1.

Coverage for any claim will be determined by the particular circumstances of the claim and the provisions, exclusions, conditions and limits of your policy. Below are some Q&As designed to give a general overview of what may or may not be covered under a personal umbrella policy2.

  • Would I be covered if I am legally liable for serious injuries caused by my dog?

    In certain circumstances, dog bites could be covered by your underlying homeowners policy and the personal umbrella policy would provide excess coverage beyond your homeowners policy limits. Please note, a homeowners policy must maintain minimum limits under your personal umbrella policy. For more information, please consult one of our licensed agents.
  • Does the Liberty Mutual personal umbrella policy provide coverage worldwide?

    Yes, the Liberty Mutual personal umbrella policy provides worldwide excess liability coverage. Please note, you must maintain the minimum liability limits for your primary policies (auto, home, boat, etc.) covered by the personal umbrella policy. For more information, please consult one of our licensed agents.
  • What if my child drives my vehicle causing serious injury to another driver resulting in a lawsuit?

    If you are legally liable, a personal umbrella policy could extend liability coverage if your covered auto is driven by your child and causes serious injuries to another driver. For more information, please consult one of our licensed agents.
  • What if I seriously injure someone while volunteering resulting in a lawsuit?

    Your personal umbrella policy would provide protection if the underlying policy limits are exhausted and the injuries are not the result of a business pursuit. Circumstances may vary and other exclusions may apply. For more information, please consult one of our licensed agents.
  • What if a tree on my property falls on my neighbor's house?

    In order for personal umbrella coverage to apply, you or a family member needs to be legally liable for someone's injury or property damage. Many cases of storm related damage are just that, damage caused by storms, not negligence. If someone makes a claim against you for your negligence and the amount of damage exceeds your underlying home policy, your case will be assigned to a special claims management team that will work to assess the claim and defend you, if needed. For more information, please consult one of our licensed agents.
  • What if a construction worker is injured on my property and I am found legally liable?

    Your home policy may provide primary coverage and if so the personal umbrella policy would provide excess coverage. You must maintain minimum underlying liability limits for your home policy. For more information, please consult one of our licensed agents.
  • What if I am found liable for causing a fire, seriously damaging a rental house?

    Your personal umbrella policy extends coverage above what your home policy may cover. You must maintain minimum underlying liability limits for your underlying policies. For more information, please consult one of our licensed agents.
  • What if my child seriously injures someone at a sporting event resulting in a lawsuit?

    Accidents happen and sometimes they are caused by our children. The personal umbrella policy provides broad coverage for accidents which you or covered household members are legally liable for, but certain items are excluded. If your child's role in an event involves compensation or your child is providing a professional service (such as acting as a paid referee), coverage may be limited. But if the situation involves an accident between children and your child is held liable, an umbrella policy could provide excess liability coverage depending on the policy and the circumstances of the accident. For more information, please consult one of our licensed agents.
  • Would I be covered if someone makes a fraudulent claim against me?

    The protection provided by a personal umbrella policy also provides you with a defense if you or insured family members are the victim of a groundless or fraudulent claim that alleges otherwise. For more information, please consult one of our licensed agents.
  • Do I have to have my auto & home policies with Liberty Mutual Insurance?

    An auto policy with Liberty Mutual Insurance with a minimum liability limit is required to purchase a Liberty Mutual Insurance personal umbrella policy. Your home or boat policies do not have to be with Liberty Mutual Insurance, but a minimum liability limit still applies. For more information, please consult one of our licensed agents.
  • What are benefits of having auto, home and personal umbrella policies with Liberty Mutual?

    In many states, customers with auto, home and personal umbrella policies with Liberty Mutual could save money through Multi-Policy Discounts3. Furthermore, in the case of a claim, the primary and personal umbrella policy claims are coordinated in-house and you only need to call us once. For more information, please consult one of our licensed agents.