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Umbrella

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    Umbrella

    https://questinsurance.us/wp-content/uploads/2018/08/Umbrella.mp4

    If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal umbrella liability policy provides.

    An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, and condo or auto policy. It may also cover you for things such as libel and slander.

    For about $300 to $500 per year you can buy a $1 million personal umbrella liability policy. The next million will cost about $75, and $50 for every million after that. (These are ballpark numbers and vary on the number of assets you own, as well as your insurability risk)

    Because the personal umbrella policy goes into effect after the underlying coverage is exhausted, there are certain limits that usually must be met in order to purchase this coverage. Most insurers will want you to have a minimum of $250,000 of liability insurance on your auto policy and $300,000 of liability insurance on your Homeowner’s policy.

    FAQ'S

    What is a Personal Umbrella Policy?

    A personal umbrella policy is a type of insurance that provides liability coverage over and above your automobile or homeowners policy and comes into play in case of a catastrophic claim.

    I just got an increase in my umbrella policy while my son is going to university. Why did I receive an increase in my policy?

    Umbrella Policy premiums are predicated on the underlying risk. Youthful drivers and rental property tend to increase the exposure, thus increasing the premium cost of this coverage.

    I was told that I must have minimum underlying coverage on my home and auto policies. Why is that so? Is there a minimum in coverage I need to have with my other policies?

    Most companies will require a minimum liability coverage of $250,000 or $300,000 in your home and auto policies for them to issue a quote and a policy.

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    Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
    • About
    • Group Benefits
      • Group Medical
      • Group Dental
      • Group Vision
      • Short-Term Disability (STD)
      • Life Insurance / Accidental Death and Dismemberment (AD&D)
      • Long-Term Disability (LTD)
      • Long-Term Care (LTC)
      • Employee Assistance Program (EAP)
      • Travel Insurance
      • Pet Insurance
      • Section 125 Cafeteria Plan
      • Legal Services
      • Consolidated Omnibus Budget Reconciliation Act (COBRA)
      • Qualified Retirement Plan
    • Individual Insurance
      • Individual Health Insurance
      • Individual Dental Insurance
      • Individual Vision Insurance
      • Individual Life Insurance
        • Term Life Insurance
        • Universal Life Insurance
        • Whole Life Insurance
    • Commercial
      • General Liability
        • Pollution
        • Volunteer Coverage
      • Property
      • Professional Liability
      • Workers Compensation
      • Commercial Automobile
        • Garage Keepers
      • Commercial Umbrella
      • Crime
      • Management Liability
        • Directors & Officers Liability
        • Fiduciary Liability
        • Employment Practices Liability
        • ERISA Bond
      • Cyber Liability
      • Constrution Related Coverage
        • Inland Marine
        • Builders Risk
        • Bond
      • Travel Insurances
      • Sports / Travel Related Coverage
        • Amateur Sports / Health & Fitness
    • Auto . Home . Renters
      • Auto Insurance
      • Motorcycle Insurance
      • Homeowners’ Insurance
      • Dwelling Fire/Landlord
      • Renters
      • Condo Unit Owners
      • Builders Risk Insurance
      • Umbrella
      • Travel Insurance
      • Boat
      • Personal Articles Floater
      • Wedding/Special Event Coverage
    • Blog
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