Who should consider Umbrella insurance?
Anyone who owns assets that exceed the liability coverage included in vehicle or property insurance should consider a personal umbrella policy. These assets can include home equity, college and retirement savings, a second home, stocks and bonds.
It could happen to anyone...
A repairman slips on an outside stairway while exiting your home, resulting in a jury award for injuries and lost wages in excess of your home insurance liability.
While swerving to avoid a dog in the road, a driver covered by your policy accidentally hits a motorcyclist whose medical and repair bills total more than what your auto insurance covers.
Your dog bites a child and causes serious injury resulting in expensive medical bills.
Personal umbrella protection adds and extends liability coverages and pays for damages and expenses for which you, or covered family members, may be liable due to auto accidents, home accidents or recreational vehicle accidents.3
With personal umbrella insurance, you receive4
Learn how Liberty Mutual Umbrella coverage works
- $1 million in coverage, with higher limits available
- Additional liability coverage over the limits of your auto, home or recreational vehicle policy
- Protection from liability claims not normally covered under your home policy, such as libel or slander
- Payment of defense costs, attorney fees and other expenses associated with a lawsuit, even if the lawsuit is frivolous or groundless
- Coverage for you and residents of your household insured under the policy5