Fill your coverage gaps with the right personal umbrella insurance policy.

Even if you have the right home, auto, and other personal insurance policies in place, this does not necessarily mean you are completely covered. Every policy has a coverage limit and, if a major liability issue exceeds your limits, you will be left fending for yourself. Fortunately, you can protect yourself from dangerous coverage gaps by securing a personal umbrella insurance policy. Here’s what you need to know about this special type of coverage.

What Is Personal Umbrella Insurance?

Also known as personal excess liability insurance, umbrella insurance is a type of policy that offers you personal liability coverages that extend beyond the coverage limits of your existing policies. Personal umbrella insurance is a secondary type of insurance. This means that this coverage cannot stand alone, but must work in tandem with other insurance like your homeowners or auto policy.

How Does Personal Umbrella Coverage Work?

Personal umbrella coverages kick in when you have a claim that exceeds the coverage limits of one of your base policies. For instance, imagine that a neighbor was injured while on your property. The resulting liability claim could very well exceed the coverage limits of your homeowners insurance policy. Once this coverage is exhausted, your personal umbrella policy would swoop in and offer you the rest of the coverage you would need to address the claim.

What Does Personal Umbrella Insurance Cover?

Personal umbrella insurance offers the same coverage as the liability sections of your homeowners or auto policies. For instance, personal umbrella insurance will help you pay for the third-party losses you are liable for, litigation arising from these losses, and the cost of your legal defense if you are sued.

While personal umbrella insurance is not a mandatory type of coverage, almost everyone can benefit from having extra liability protections in place. For more information on what a personal umbrella insurance policy can do for you, contact the experts at Scavone Insurance in White Plains, New York. We are ready to assist you with all your coverage needs today.

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