Umbrella Insurance

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. The umbrella policy coverage “kicks in” where your existing coverage ends, up to the limit of the umbrella policy purchased. When you need to add extra liability to your homeowner or auto policy with umbrella insurance, contact the Huntingdon Insurance Group in Huntingdon Valley, PA.

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Personal Umbrella Protection Covers

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

Umbrella or Excess Liability for Property Owners

You should buy enough liability insurance to protect your assets. If you own property or have investments and savings that are worth more than the liability limits in your policy, you may consider purchasing an excess liability or umbrella policy. In addition to providing a higher dollar amount, they offer broader coverage. You are covered for libel, slander, and invasion of privacy. These things are not covered under standard homeowners or auto policies.

The cost of an umbrella policy depends on how much underlying insurance you have and the kind of risk you represent. The greater the underlying liability coverage, the cheaper the policy. This is because you would be less likely to need the additional insurance. Most companies will require a minimum of $300,000 on your home and your car if you own one.

Contact the friendly professionals at Huntingdon Insurance today and find out how much money you could be saving right now on umbrella insurance. Call 215-942-0616 for a FREE, No Obligation Quote.

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