Understanding Umbrella Insurance
What is umbrella or excess liability insurance? A simple definition is that it's an insurance policy that provides coverage above and beyond your auto and home policy limits—think of it as an umbrella over the top of those other coverages.
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For a homeowner, it is important to be properly insured, which means you have enough coverage to rebuild your home if you are ever in that unfortunate situation.
Look around your home—you probably have more possessions than you realize! There are items you probably wouldn’t even think about if you were asked to list all your possessions. What would happen to that stuff if a disaster struck or your house was broken into? Your home or renters insurance could cover it.
According to a study by the Insurance Institute for Highway Safety, many drivers treat driver-assist technology as fully self-driving. In the study, the IIHS questioned 600 drivers who often use manufacturer's driving assistance tools. A majority of them were more likely to perform non-driving-related activities like eating or texting while using these features.
