{"id":352616,"date":"2017-06-01T16:46:58","date_gmt":"2017-06-01T21:46:58","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/insurance\/umbrella-insurance-policies.html"},"modified":"2024-03-21T16:12:46","modified_gmt":"2024-03-21T21:12:46","slug":"umbrella-insurance-policies","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/insurance\/umbrella-insurance-policies.html","title":{"rendered":"Umbrella Insurance Policies"},"content":{"rendered":"\n
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Umbrella Insurance Policies<\/h1>\n
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\n By FindLaw Staff<\/a> | Legally reviewed by Melissa Bender, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

You’ve been responsible. You purchased property insurance and casualty insurance. You purchased liability protection to cover your assets. But what about your coverage limits? Will the policy limits cover your personal liability? A personal umbrella insurance policy could be the answer.<\/p>\r\n

Umbrella insurance<\/a> works to provide extra protection beyond the limits of your underlying policies. Read on to learn about umbrella insurance policies and how they impact coverage.<\/p>\r\n

What Is Umbrella Insurance?<\/h2>\r\n

Umbrella insurance protects your savings and other assets. You may have homeowner’s insurance<\/a>, car insurance<\/a>, boat insurance<\/a>, or all three. You probably even have coverage for personal property, personal injury, and other liability issues.<\/p>\r\n

Umbrella coverage supplements liability insurance<\/a>. You’re responsible for damages over the liability limits of your car insurance, homeowners insurance, watercraft insurance, or other policies. It can provide extra liability coverage for things that other insurance policies may not cover. This includes liability coverage for the following:<\/p>\r\n