A personal umbrella policy provides extra liability insurance for auto & home owners.
What is Umbrella Insurance?
Umbrella Insurance provides an additional layer of personal liability protection. A single policy covers all underlying policies you own (auto, home, motorcycle, boat, etc.) and kicks in if the liability limits on these policies are exhausted. And compared to the risk of a catastrophic event, Liberty Mutual Umbrella Insurance is affordable; for about a dollar a day1, you can have the peace of mind that comes with $1 million in coverage.
An auto policy with Liberty Mutual Insurance with a minimum liability limit is required to purchase a personal umbrella policy.2
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:
- $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
2 Your home or boat policy does not have to be with Liberty Mutual Insurance, but minimum liability limits for those policies will apply.
3 Personal umbrella coverage is also known and referenced as Personal Liability Protection.
4 The descriptions of coverages and benefits are necessarily brief and are subject to policy provisions, limits, deductibles, and exclusions that can only be expressed in the policy itself. In the event of a conflict, the terms and conditions of the policy prevail. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult one of our licensed agents.
5 "Residents" of your household is defined in your policy. Please consult your local agent for details.