Umbrella Insurance
Personal Umbrella insurance policies provide additional liability protection above the limits of liability that is offered on your homeowners', auto, motorcycle, boat and RV or rental property policy. To be eligible for a personal umbrella, most companies have minimum liability coverage limit levels that are required. Personal umbrellas coverage typically begins at $1,000,000 and may range to as much as $5,000,000 or $10,000,000. Many insurance companies prefer for you to have both your auto and homeowners' policies with them before they will offer umbrella coverage. Personal Umbrella policies have a self-insured retention, or deductible, of $250 or more. Coverage is also available for exposures such as personal injury for libel, slander and defamation of character, defense coverage or vacation rental liability.