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Personal
Insurance > Umbrella >
General Information
An umbrella policy provides you with additional protection and works
with your automobile and homeowners policies. To qualify for an
umbrella policy, you need both an automobile and homeowner policy
with the following minimum limits of liability:
Automobile Bodily Injury Liability minimum limits of:
- $300,000 per person / $300,000 per accident
Homeowner Personal Liability minimum limit of:
Coverages
Umbrella coverage is an excess insurance coverage over and above
the minimum limit of coverage provided by your basic policies.
Basic policies are your Personal Automobile and Homeowner policies
which provide Bodily Injury, Personal Injury, or Property Damage
coverages.
Umbrella coverage will pay an amount for which anyone covered
by an umbrella policy becomes legally liable to pay damages for
Bodily Injury, Personal Injury or Property Damage caused by an
accident.
The amount of coverage that an umbrella policy would pay is limited
to the Personal Umbrella Policy Limit as shown on the Declaration
Page. Current limits available under this policy are $1,000,000
and $2,000,000.
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