Primary Insurance First
When a claim occurs that is covered by your underlying policy (like auto or home insurance), that policy's limits are used first.
Umbrella/Bundle
Bundling your insurance policies under one provider can lead to premium savings, simplified management, and enhanced coverage. Umbrella insurance adds an extra layer of protection beyond your standard policies, giving you peace of mind in unexpected situations.
What is an Umbrella Policy?
A personal umbrella policy is an extra layer of liability protection that provides coverage beyond the limits of your existing homeowners, auto, or recreational insurance policies. It can help pay for damages in a major lawsuit, such as those involving bodily injury, property damage, libel, or slander, and also helps with legal defense costs if you're sued.
Types of Policies You Can Bundle:
Auto Insurance
Homeowners or Renters Insurance
Life Insurance
Pet Insurance
Umbrella Liability Coverage
How it Works
Umbrella Policy Kicks in
If the costs of the claim exceeds the limits of your primary policy, the umbrella policy can provide additional coverage.
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Covers Legal Fee
It can also help pay for the legal expenses to defend you if you are sued.
What an Umbrella Policy Covers
An Umbrella Policy extends your liability protection beyond the limits of your standard insurance. Coverage Limits generally begin at $1 Million in Liability Coverage.
Bodily injury: Injuries to others in an accident you cause, such as a serious car crash or a guest falling on your property.
Property Damage: Damage to another person's property for which you are liable.
Personal Injury: Claims like libel, slander, or invasion of privacy.
Other Incidents: It can also cover accidents that happen while operating recreational vehicles, and may even extend protection internationally.
Ready to Bundle and Save?
Get a personalized quote today and discover how much you can save with bundle insurance.
