Umbrella insurance provides an extra layer of liability protection when a serious accident or lawsuit exceeds the limits of your underlying policies. Depending on your policy, coverage may apply to situations such as major auto accidents, injuries occurring on your property, accidental property damage, certain rental property liabilities, and some personal liability claims.

For example, if you are found responsible for a serious auto accident and the resulting covered damages exceed your auto liability limits, an umbrella policy may provide additional coverage up to the policy limit.

This added protection can help safeguard your home, savings, income, investments, and other assets from the financial impact of a significant covered liability claim.

Coverage varies by policy and carrier, and certain activities or claims may be excluded.