What does a personal umbrella policy cover?
If you are ever faced with a lawsuit, even if groundless, false, or fraudulent, chances are you are going to wish you had an umbrella policy to foot your defence costs. Personal umbrella policies provide excess liability coverage for bodily injury, personal injury, and property damage lawsuits beyond the limits of your individual insurance policies.
Umbrella policies provide an emense amount of coverage, starting at $1 million of protection. Even with this much protection umbrella policies are typically inexpensive, starting at about $130 per year depending on your underlying policies. On top of that, some carriers offer discounts on your home and auto policies to lower the cost even further.
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