Personal Umbrella Insurance
With Personal Umbrella Insurance, you can protect everything for which you’ve worked so hard for. It gives you the security and peace of mind you need to enjoy life’s pleasure. Personal Umbrella Insurance can add to your safekeeping by limiting your exposure to large liability losses.
- Additional Liability Limits
- Coverage for Unexpected Exposures
- Coverage for Legal Costs
- Personal Umbrella Worksheet
Additional Liability Limits
With Personal Umbrella Insurance, you get additional liability insurance, over the limits of your Auto, Homeowners, Recreational Vehicle or Boat liability policy limits. Additional Coverage limits are written in increments of $1 million, up to a maximum of $5 million.
Coverage for Unexpected Exposures
This coverage protects you against unknown or unexpected exposures not covered by your current policies (some exclusions may apply).
Coverage for Legal Costs
Personal Umbrella Insurance protects you if you are ever sued for defamation of character, invasion of privacy, libel, slander, or other charges which you may not have coverage for. This coverage pays for legal costs, including representation by our attorneys, court costs, interest on judgments and premiums on necessary bonds.
Personal Umbrella Insurance Worksheet
The chart below describes the types of eligible liability coverages and the basic underlying coverage amounts required under your existing policies. Personal Umbrella Insurance will pay for claims up to your personal umbrella limits once the underlying limits on your primary policies have been met.
| Types of Eligible Liability Coverages | Basic Coverage Required |
| Auto Bodily Injury | $250,000 per person |
| Auto Bodily Injury | $500,000 per occurence |
| Auto Property Damage | $100,000 per occurence |
| Homeowners Liability | $300,000 |
| Recreational Vehicles and Small Boats | $100,000 |
| Large boats, sailboats over 26 ft, power | $300,000 |
| Libel, Slander, other legal costs | $250 self-insured retention* |
Contact us for more information on Personal Umbrella Insurance, or submit a quote request today.
This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by Farmers Insurance Group of Companies.