Personal umbrella insurance can provide additional liability protection above qualifying underlying policies such as auto or homeowners insurance, subject to policy terms and required limits.
Homeowners and auto policies include liability limits. Personal umbrella insurance can provide an additional layer of liability protection after qualifying underlying limits are reached.
An umbrella policy works with qualifying underlying insurance rather than replacing it.
An umbrella policy generally sits above qualifying underlying liability coverage. Exact application depends on the policies and claim involved.
Additional qualifying liability protection above underlying limits.
Liability protection included within a qualifying homeowners or residential policy.
Liability protection included within a qualifying auto policy.
Liability exposure differs from person to person. The correct limits depend on your policies and insurance situation.
A large qualifying auto liability claim can exceed the liability limit carried on the underlying auto policy.
Certain injuries or property-damage claims connected with a residence can result in substantial liability.
Property owners renting homes to others may have liability exposures that need to be reviewed with the carrier.
Some households may want liability limits beyond those available within an underlying policy alone.
Personal umbrella insurance is generally centered on liability rather than repairing your home or vehicle after a physical loss.
Personal liability associated with qualifying residential policies may be considered.
Auto liability policies can form part of the underlying insurance.
Certain landlord liability exposures may need to be listed or reviewed.
Carrier questions may address activities or property that affect personal liability exposure.
The umbrella carrier may require minimum liability limits on qualifying underlying insurance.
Review the amount of additional liability protection shown on the umbrella policy.
Policy terms determine which liability claims and exposures are included.
Review exclusions and conditions before selecting umbrella coverage.
An umbrella policy generally works together with qualifying underlying liability policies. If those underlying policies change, the umbrella policy may need to be reviewed too.
Required liability limits can vary by umbrella carrier.
Adding or removing vehicles, homes or other insured risks may affect the umbrella policy.
The umbrella policy and underlying policies should be read together.
Existing home, auto and other applicable policies help frame the umbrella insurance review.
Identify qualifying home, auto and other liability coverage.
Review the liability limits carried on the underlying policies.
Discuss available limits and carrier requirements.
Review the policy information before selecting the coverage you want.
Policy requirements and available limits vary by carrier.
Personal umbrella insurance can provide additional liability protection above qualifying underlying policies, subject to the umbrella policy’s terms, limits and exclusions.
No. Umbrella insurance generally works above qualifying underlying policies. Carrier requirements may specify minimum liability limits that must remain in place.
A personal umbrella policy may provide additional liability protection above qualifying auto liability coverage, according to policy terms.
A personal umbrella policy may provide additional liability protection above qualifying homeowners liability limits, subject to policy conditions.
Information may include current home and auto policies, liability limits, vehicles, properties, household information and other details requested by the carrier.
Tell Trinity about your current home, auto and other applicable policies to begin reviewing umbrella insurance options.