Providing missing personal liability protection to compliment underlying dwelling policy.
Umbrella policies provide extra liability protection over and above the limit in your primary policy, like your Home or Condo policy. However, if you don’t have liability coverage in your primary policy, then you’ll need one of our Comprehensive Personal Liability policies.
In some states, if you have a home insurance policy from a state-sponsored residual market (typically called a FAIR Plan), your policy may not provide any liability coverage like a typical home policy does. Personal liability protection is generally one of the most cost effective types of insurance available.
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These descriptions of coverage are abbreviated and are subject to the terms, conditions, and exclusions of the actual policy, which forms the contract between the insured and the insurance company. Available coverages, credits, and options may vary by state.
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