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Extra liability protection when a serious claim exceeds your underlying insurance limits.
D&E Insurance Group helps Arizona individuals and families explore personal umbrella coverage designed to provide an additional layer of liability protection.
A serious accident or liability claim can sometimes exceed the limits of your home or auto insurance.
Personal umbrella insurance provides an additional layer of liability protection above certain underlying insurance policies, such as your auto and homeowners insurance.
If a covered liability claim exceeds the applicable limit of an underlying policy, an umbrella policy may provide additional coverage up to its own limit, subject to the terms and conditions of the policy.
D&E Insurance Group helps Arizona individuals and families review their existing liability limits and determine whether personal umbrella insurance should be part of their overall insurance program.
Umbrella insurance is designed to provide an additional layer of liability protection above certain underlying policies.
1. A Covered Liability Claim Occurs
An accident or other covered event results in a liability claim under an eligible underlying policy, such as your auto or homeowners insurance.
2. The Underlying Limit Is Reached
If the covered liability damages exceed the applicable underlying policy limit, you could otherwise be responsible for amounts above that limit.
3. Umbrella Coverage May Respond
Your umbrella policy may provide additional coverage for an eligible claim above the underlying limit, up to the umbrella policy limit and subject to its terms.
For example, if a serious covered auto accident results in liability damages that exceed your auto policy’s liability limit, an applicable umbrella policy may provide additional protection after the underlying coverage is exhausted.
Personal umbrella insurance can extend liability protection across several areas of your personal insurance program, depending on the policy.
Auto Liability
A serious auto accident can result in significant injury or property damage claims. An umbrella policy may provide additional liability limits above eligible underlying auto coverage.
Home Liability
If you’re legally responsible for a covered injury or property damage claim involving your home or personal activities, umbrella coverage may provide protection above eligible homeowners liability limits.
Other Personal Liability
Depending on the policy, umbrella coverage may extend over certain eligible liability exposures involving rental properties, recreational vehicles, boats or other personal risks.
Personal umbrella policies can also provide coverage for certain personal liability claims that may not be covered in exactly the same way by an underlying policy. Coverage varies significantly by carrier and policy form.
Umbrella insurance isn’t only for extremely wealthy households. Anyone with assets, income or liability exposures worth protecting may benefit from additional coverage.
Homeowners & Families
Home equity, savings, investments and future income can make higher liability limits worth considering when building your personal insurance program.
Households with Teen Drivers
Adding an inexperienced driver can increase a household’s liability exposure. An umbrella policy can provide additional protection above eligible auto liability limits.
Pools & Property Features
Swimming pools and certain other property features can create additional liability exposures that homeowners may want to consider when selecting liability limits.
Rental Property Owners
Owning rental property can create additional liability exposures. Depending on the policies involved, certain rental properties may be eligible for coverage under a personal umbrella.
Boats & Recreational Vehicles
Boats, ATVs and other recreational vehicles can add liability exposures beyond your home and everyday vehicles. Eligibility under an umbrella policy varies by carrier.
Higher Net Worth Households
As your assets and income grow, reviewing your liability limits can help ensure your insurance program continues to reflect what you want to protect.
The amount of umbrella coverage that’s appropriate depends on your individual circumstances, underlying insurance policies and available carrier options.
Umbrella insurance provides additional liability protection, but it isn’t designed to cover every type of loss.
Damage to Your Own Property
Personal umbrella insurance generally doesn’t pay to repair your own home, vehicle or belongings. Those losses are typically addressed by the applicable property or physical damage coverage.
Business & Professional Risks
Personal umbrella coverage generally isn’t a substitute for commercial or professional liability insurance. Business activities may require separate business coverage.
Excluded or Ineligible Losses
Intentional acts and other specifically excluded losses aren’t covered. Certain vehicles, properties or activities may also be excluded or require separate coverage.
Umbrella policies also have eligibility requirements and may require specific minimum liability limits on underlying policies. Coverage and requirements vary by insurance carrier.
Common questions Arizona individuals and families ask about personal umbrella coverage.
What is personal umbrella insurance?
Personal umbrella insurance provides additional liability protection above certain eligible underlying policies, such as homeowners and auto insurance, subject to the umbrella policy’s terms and limits.
How much umbrella insurance do I need?
The appropriate limit depends on factors such as your assets, income, household drivers, properties and other liability exposures. Reviewing your overall financial situation and existing liability limits can help determine an appropriate amount.
Does umbrella insurance cover my home and vehicles?
Umbrella insurance provides liability protection rather than coverage for physical damage to your own property. Your homeowners and auto policies generally provide the applicable property and vehicle damage coverage.
Do I need certain home and auto limits before buying an umbrella policy?
Typically, yes. Insurance carriers generally require minimum underlying liability limits before they’ll provide an umbrella policy. Requirements vary by carrier and the exposures being covered.
Can an umbrella policy cover a teen driver?
Eligible household drivers may be included within the protection provided by a personal umbrella policy, subject to the policy terms and underlying insurance requirements.
Can rental properties be covered by a personal umbrella?
Certain rental properties may be eligible, depending on the insurance carrier, underlying policy and type of property. Rental properties should be disclosed when an umbrella policy is being quoted.
Does umbrella insurance cover boats or recreational vehicles?
Some boats, recreational vehicles and other personal exposures may be eligible for umbrella coverage. Eligibility and required underlying limits vary by carrier.
Is umbrella insurance only for wealthy households?
No. Umbrella insurance may be worth considering for anyone who wants additional liability protection for assets, income or other financial interests that could be affected by a serious covered claim.