Let's start off with, what is umbrella insurance? In general, umbrella insurance, often called personal liability insurance, gives you extra protection on top of your home and auto policies. An umbrella policy will kick in if your home or auto limits aren't enough.
You may be asking, but do I need umbrella insurance? The answer is probably yes. If you own property like a home or car or have other assets you want to protect, every little bit can help.
Customized umbrella insuranceWhen you insure both (car, home, rental properties, motorcycle, and umbrella) with Liberty Mutual, you qualify for comprehensive protection and additional savings. 2
Extra ProtectionLet's say you're at fault for a car accident and the damages are more than your car insurance limits can cover. If you didn't have extra protection, you may owe this amount out of pocket.
Only pay for what you needEveryone is different and has different needs. To help you figure out how much coverage you may need, it's helpful to itemize your valuables like, home, vehicles, jewelry, etc.
These are just a few ways an umbrella policy can help you save.You could save $950 when you bundle your auto and home insurance with Liberty Mutual! 3 But that's not all. You can save by bundling other products from renters to auto, to RV to umbrella. We can help you get the insurance you need at a great price!
We also make it fast and easy for you to get a quote. Check out why people have trusted us with their insurance needs for over 100 years!
We'll help you find the coverage that's best for you so you're confident you have the protection you need.
Umbrella insurance provides extra Liability Coverage that goes beyond your car and/or homeowners insurance.
Rated "A" (Excellent) financial by A.M. Best Company, we've been helping people like you protect what they love for over 100 years! 4
Savings? We've got those too! You could save when you bundle your auto and home insurance. 3
Start your quote today, to see how much you could save on umbrella insurance when you only pay for what you need.
After you itemize your valuables, you can get a better idea about how much coverage you may need.
After you itemize your valuables, you can get a better idea about how much coverage you may need.
So instead of only having a liability limit of $250,000 per person, with an umbrella policy you'd have $1.25 million. Broken down, that's
$250,000 auto liability + $1 million umbrella = $1.25 million of liability coverageNext, let's pretend you or a driver on your policy are in an accident and found at fault. Due to the accident, the other driver has a claim of $800,000 for injuries. Your policies would pay
Auto policy: The first $250,000 (per person limit) Umbrella policy: The remaining $550,000Now, let's say the same thing happened without personal liability umbrella coverage. Your auto policy would pay $250,000. The remaining $550,000 could then be left up to you to pay out of pocket.
Payment of defense costs, attorney fees, and other expenses associated with a lawsuit (defense cost coverage is in addition to policy limits)
See how much you could save when you customize your insurance so you only pay for what you need. Call 888-498-2145 to start your quote.
Umbrella liability typically does not cover
Malpractice lawsuits Workers compensation Business pursuits Damage intentionally caused by any insuredTips for comparing umbrella insurance quotes
Compare coverages and make sure the options meet your needs Choose the same deductibles because they can affect your quote pricesWhen comparing umbrella personal liability insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make personal liability insurance easy. Our fast and easy quotes let you customize coverages, so you only pay for what you need.
You'll also get our free and easy to use mobile app that lets you manage your policy and update preferences.
These are just a few ways Liberty Mutual helps make umbrella insurance easy.
Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance.
With Liberty Mutual, you can customize your umbrella policy, so you only pay for what you need. Generally, the less risk you have the lower your price may be. It all depends on your needs. Keep in mind that you can lower the cost of your premium by increasing your deductible if you prefer.