your injuries or damage to your personal property.What is not covered by an umbrella policy?Īn umbrella policy generally does not provide coverage for: False arrest, detention, or imprisonment.Your tenant's dog* biting someone and you being held responsible for the injuriesĬoverage is also provided if you're sued for:.
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Someone tripping over a crack in the sidewalk of your rental property and suing you for damages.Examples include the cost of liability claims due to: Owners of rental units help protect against liability that you may face as a landlord. Examples include the cost associated with damage to vehicles and other property due to an auto accident where you are at fault. Property damage liability covers the cost of damage or loss to another person's tangible property. A neighbor's child falls while playing in your yard.A serious auto accident where you're at fault.Examples include the cost of medical bills and/or liability claims due to injuries caused by: Call us at (866) 272-5192 to get an umbrella insurance quote today – the rates are less than you think!īodily injury liability covers the injuries sustained by another person because of the accident. You're thinking, "I have auto and homeowners insurance that covers some of these situations." True! But umbrella insurance insures you above and beyond the limits of those policies and covers some situations not covered by the other types of policies. Umbrella insurance generally provides liability coverage for: Umbrella insurance provides coverage beyond the limits of your other insurance policies, or for claims that may not be covered by liability policies. Umbrella insurance provides coverage for claims that may be excluded by other liability policies including claims like false arrest, libel, slander, and liability coverage on rental units you own.Umbrella insurance may provide coverage when your homeowners, auto, and boat insurance policies limits are exhausted.How does an umbrella insurance policy work?Īn umbrella insurance policy helps protect your assets and your future in two important ways: Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations. Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of other policies.
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