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What is Umbrella Insurance, And What Does It Cover?

The liability coverage in your home, boat, or auto insurance protects you up to a specific limit. However, when faced with significant claims, your current insurance plans could run out, leaving you exposed. When you find yourself in such a scenario, umbrella insurance from Midwest Professional Insurance is excellent for digging you out of this hole.

What is umbrella insurance?

Umbrella insurance is the extra liability protection that takes over when your current insurance plans’ limit runs out. Suppose you are involved in a significant auto accident, where you are at fault. Assume that your current auto liability coverage has a $30,000 limit for bodily damage. However, liabilities emanating from the accident may run to, let say, $50,000. Without umbrella insurance, you are expected to cover the difference of $20,000 from your pocket.

What does umbrella insurance cover?

Umbrella insurance safeguards against the below:

  • Bodily injury liability: Covers injuries sustained to third parties include a guest sustaining injuries on your premises or your dog biting a neighbor. 
  • Property damage liability: Pays for damages caused to other people’s properties. For instance, damage to another boat in a severe boating accident where you are at fault. 
  • Personal liability protection: The beauty of umbrella insurance is that it protects you against claims that aren’t covered by the base liability coverages. Umbrella insurance pays for the legal costs when you are sued against libel and slander. It also protects you against false arrest and malicious prosecution.

What does umbrella insurance exclude?

While umbrella insurance protects against several liabilities, it won’t protect you in the following instances:

  • Criminal or intentional acts
  • Injury to oneself
  • Damage to own property
  • Liabilities assumed under a contract

Would you want peace of mind by purchasing umbrella insurance? If yes, contact Midwest Professional Insurance today for a quote.

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