Umbrella extends the personal liability coverage provided by your auto, homeowners, motorcycle, boats, and other personal policies.
Having umbrella insurance means you don’t have to worry about severe claims or lawsuits. If a claim or lawsuit were to go beyond your home or auto limits, your umbrella liability insurance would kick in to cover these costs.
Your auto and homeowners policies provide substantial limits, but you may need even more protection. Umbrella limits of $1 million or more can protect you after your current policies have paid their full limits.
Personal umbrellas pay some losses not covered by your current policies, like the use of an auto in a foreign country, or a rented or chartered watercraft.
The costs of legal defense can be staggering and must be paid even if you win a lawsuit. A personal umbrella pays these fees and doesn’t count it toward your personal umbrella limit of insurance
Have questions? We have answers.
Maybe not. You have a lot to lose. The more you own, the more you can lose if someone sues you. In addition to an extra layer of coverage, a personal umbrella policy provides peace of mind.
Once you’ve exhausted the limits on your auto, home, or other policies, your personal umbrella policy will kick in.
Yes, both your auto and homeowners coverage must be with Acuity, and they must have certain minimum limits.
We offer personal umbrella limits from 1 million up to 10 million.
Acuity staff is extremely friendly and easy to deal with. When we have a claim, they respond immediately.