Your auto and homeowners insurance policies keep you protected, but sometimes that isn’t enough. Unfortunately, bodily injury and damages from a bad at-fault accident can quickly exhaust the liability limits of an auto or home insurance policy.
A personal umbrella policy is an extra layer of protection that goes above the normal homeowners and auto insurance liability limits. It provides higher limits and broader coverage, and also pays legal defense costs you may incur after your basic insurance policy limits are exhausted.
Here are five key reasons why you should get a personal umbrella policy:
Also, on top of an umbrella policy, Acuity is one of the few companies to offer an excess uninsured/underinsured motorist endorsement. This is an additional layer of coverage that applies when the uninsured or underinsured bodily injury limits of your auto policy are exhausted.
So, talk to your Acuity independent insurance agent about adding umbrella to your current policy or, if you are not an Acuity customer, get a home and auto insurance quote online and add an umbrella.