A personal umbrella policy is a type of insurance policy that provides liability coverage over and above your personal automobile insurance, homeowners insurance and other similar personal insurance policies. If your liability coverage isn’t enough to pay for the damages of an accident you cause or a visitor’s injuries on your property, a personal umbrella insurance policy steps in right where your underlying policy’s coverage left off.
It’s important to note that coverage under an umbrella insurance policy will only trigger when an underlying insurance policy has exhausted its entire limits of coverage on a covered claim. An umbrella policy isn’t meant to be used as fail safe for underlying policy coverage exclusions.
A personal umbrella insurance policy is a cost effective way to extend added liability protection across multiple policies. Also in most cases a deductible isn’t required on a umbrella insurance policy because your underlying insurance policy limits basically acted as the deductible already.
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