Personal · Umbrella · WA · ID · OR · AZ
For households that want liability protection beyond the limits of their auto, home, condo or renters policies, for example where a serious injury claim could exceed them.
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What to review
A personal umbrella adds liability limits, commonly in $1 million increments, that apply after the liability limits of your auto and home policies are used up. Some umbrellas also cover certain claims those policies don't, after a retained amount you pay first.
Insurers require minimum liability limits on your underlying auto, home and other policies. If an underlying policy lapses or carries lower limits, you may have to pay the difference yourself.
Household members, teen drivers, rental properties, boats and recreational vehicles all affect an umbrella. Each exposure should be listed or confirmed.
Typical exclusions include business pursuits, intentional acts, and some watercraft, aircraft and vehicles unless they're listed. Exclusions vary by insurer.
A driver in your household causes an accident that seriously injures another person, and the claim exceeds the auto policy's liability limit. After the auto policy pays its limit, the umbrella can respond to the remaining covered amount, up to its own limit. Without it, the excess would be the household's responsibility. A real claim depends on the facts, the policies and the law.
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