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Personal Umbrella insurance policies provide additional liability protection above the limits of liability that is offered on your homeowners, auto, motorcycle, boat and RV or rental property policy. In order to be eligible for a personal umbrella most companies have minimum liability coverage limit levels that are required. Personal umbrellas coverage typically begins at $1,000,000 and may range to as much as $5,000,000 or $10,000,000.
Many insurance companies prefer for you to have both your auto and homeowners policies with them before they will offer umbrella coverage. Personal Umbrella policies have a self-insured retention or (deductible) of $250 or more. Coverage is also available for exposures such as personal injury for libel, slander and defamation of character, defense coverage or vacation rental liability.
There are many different considerations to determine the amount of excess liability you want to carry. It is important that the policy and coverage you select matches your individual needs and situation. By working with an experienced agent you can avoid gaps in coverage and determine which company and policy is right for you.
TWFG represents a large number of companies that offer personal umbrella policies. Our knowledgeable TWFG agents can evaluate your situation and recommend the right insurance protection program to fit your needs.