Liability Insurance Coverage that Extends Above & Beyond
Get your Umbrella Insurance Quote with Schwartz Reliance Insurance Coaldale
Personal Umbrella Insurance is a type of liability insurance that extends your coverage beyond the limitations of other policies, such as vehicle, boat, or home insurance. This implies that if you were held guilty in court and ordered to pay more than your liability limit on your house or auto policy, your Personal Umbrella would cover you in addition to your home or auto policy’s liability limit. This is extremely handy in circumstances where your liability claim limit has been exceeded due to a large court award.
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What does Personal Umbrella Coverage include?
Personal Umbrella coverage is an inexpensive added layer of protection and provides peace of mind. It is especially beneficial to those who fit into the following categories:
- HIGH NET-WORTH INDIVIDUALS: You and/or your family may be more liable to legal and financial losses as a result of your success and financial achievements. This extra layer of liability is often the perfect protection
- FREQUENT TRAVELERS: Allow yourself to actually relax on your vacation. Travel with peace of mind knowing your actions are covered anywhere in the world.
- VOLUNTEERS: Coaching, volunteering at a school, and other activities can expose you to greater liability risks and legal fees that aren’t covered by your basic insurance policy.
- LANDLORDS / PROPERTY MANAGERS: Up to four rental locations can be added for additional coverage as a landlord.
- PET OWNERS: Third party injuries or damages involving a pet, are often covered under a personal umbrella policy.
- SOCIAL MEDIA USERS: It’s becoming increasingly common for lawsuits to pop up from social media use, additionally the penalties or court awards are increasing. Personal umbrella coverage is ideal for these situation
Other common uses for umbrella coverage include: