What is personal umbrella insurance?
Personal umbrella insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel.

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The umbrella policy coverage "kicks in" where you’re existing coverage ends, up to limit of the umbrella policy purchased.

Personal Umbrella Protection covers:

• Operating most motor vehicles, including cars, RV’s, motorcycles, pickup trucks, and most watercraft
• Incidents involving any property covered by your basic homeowners policy.
• Incidents alleging slander, libel, defamation of character, invasion of privacy, even false arrest.
• Business liability coverage is provided if covered by your basic homeowners policy.

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