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umbrella faqs

Umbrella FAQs

  1. Umbrella liability insurance is like a super-reinforced and expanded safety net that keeps you extra safe and secure. Specifically, it gives you an additional layer of coverage beyond the liability coverage that’s already built into your existing auto, home, recreational vehicle or boat insurance policies. So, if you’re liable for someone else’s damages or injuries, and those damages or injuries exceed the limits of what your current insurance policy can pay for, an umbrella policy will kick in and cover the remaining costs. Now that’s peace of mind!
  2. Umbrella liability coverage starts where your current auto, home or other insurance policy coverage ends. Let’s say you’re in a car accident and are sued for $1 million. If your existing auto policy covers up to $500,000 in liability per occurrence, that leaves $500,000 remaining. That’ll definitely impact your long-term dreams. But fortunately, you were savvy enough to purchase an umbrella insurance policy with a $1 million liability limit, which will cover the remaining $500,000.
  3. Getting a personal liability insurance quote is pretty easy. Just contact your American Family Insurance agent, who will help you determine how much coverage to get to meet your needs and your budget.
  4. Good question! The best place to start is to take a look at your existing auto, homeowners or other insurance to understand the dollar amount that your current policies cover. Then you’ll want to contact your American Family Insurance agent, who will help you determine how much of an extra layer of coverage you’ll want to get with an umbrella policy.
  5. Getting umbrella liability insurance is one of the smartest decisions you’ll ever make. After all, life is full of surprises. If you had to pay for someone else’s injuries or damages exceeding what your current insurance policy can cover, that could impact everything you’ve worked so hard to accomplish. Umbrella insurance will pick up where your current insurance policies leave off, keeping your current and future dreams safe and secure.
  6. Umbrella liability policies are for everyone, including you. If you own a car or a home, you should strongly consider getting umbrella insurance. And, if you have kids or pets, own a boat or recreational vehicle, or you travel, it’s especially important to have umbrella protection. It’ll help protect your dreams at all stages of your life, whether you’re just getting started with your own place, have a growing family or are an empty-nester.

  7. Great question, but the answer will depend on your current situation. Your American Family Insurance agent can help you calculate the right umbrella liability coverage for your life.
  8. Here are a few examples of situations where an umbrella liability policy can give you the extra protection you need if you are liable for damages or injuries.

    • A guest in your home falls and is injured
    • You’re driving kids to soccer practice and get in an accident
    • Your online post leads to a lawsuit for defamation
    One of the neat things about umbrella insurance is that it will cover you anywhere in the world! It also covers liability for damages and injuries to others when you’re renting cars, boats or recreational vehicles.  Umbrella insurance also includes additional coverage for legal costs and fees for your defense. Flexible, convenient, and affordable – that’s the beauty of umbrella insurance from American Family.