What is Umbrella Insurance?
Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
When an insured is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.
Why do you need a personal umbrella insurance?
Existing homeowners and auto insurance may not be enough to cover a lawsuit or judgment. A personal umbrella policy will substantially increase your overall liability coverage beyond the basic coverage provided under your homeowners and auto insurance policies.
SCENARIO #1: AUTOMOTIVE LIABILITY
SCENARIO #2: IMPAIRED DRIVER
SCENARIO #2: BOAT ACCIDENT
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