from Harbor Insurance Group
We all want to be able to protect our assets and future alike. Personal umbrella liability insurance policies provide extra levels of protection, in order to ready us for whatever life brings.
Essentially, an umbrella policy provides additional layers of liability protection. This policy will engage to cover you if the liability limits are exhausted on your homeowner insurance, auto insurance, or other underlying insurance policy. This is a small investment to make, considering the additional peace of mind you can get.
There are a lot of potentail liabilities that happen in everyday life. If there was an accident in your rental property or condo, would you be covered? What if there was a deadly accident on the road? If you ran into any of these circumstances, there's a good chance your current liability limits wouldn't be adequate to protect your assets — or your future earnings.
Once liability limits are exhausted on your home insurance, auto insurance, or other policy, the umbrella policy engages and provides an additional layer of protection of at least $1,000,000. Higher limits may also be available.
Umbrella insurance policis have broad coverages, paying some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you but your spouse and all family members living in your household anywhere in the world. Legal defense fees are also paid.
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