Personal Umbrella Policy
Personal umbrella liability insurance is designed to protect you against a catastrophic lawsuit or judgment. It expands your coverage and increases liability protection beyond the basic limits provided under your homeowners/renters and auto policies. In today’s litigation environment, $1-million, $2-million, and even $10-million judgments against individuals are not uncommon — a personal umbrella policy ensures those costs don’t come out of your pocket.
Liability insurance protects your assets when you or a member of your household accidentally injures another person or damages someone’s property. Known as “third-party insurance,” it covers legal defense in the event of a lawsuit and pays medical and/or property claims for which you are found legally liable. An umbrella policy kicks in once your underlying homeowners or auto liability limits are exhausted.
Our licensed professionals review your current coverage and find umbrella protection that truly fits — competitively priced.
Personal Umbrella & Liability Insurance — Coverages Can Include:
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Bodily injury & property damage liability -
Excess coverage above auto & home limits -
Legal defense costs & attorney fees -
Personal injury (slander, libel, false arrest) -
Liability on or off your property -
Auto-related excess liability -
Protection for household members -
Worldwide coverage
A good personal liability policy can definitely help protect both your family and your future. Accidents don’t happen on a schedule — once you’re the target of a liability suit, it’s too late to increase your coverage. Lemon-Mohler Insurance Agency in , Mississippi can review your situation and recommend the right umbrella limits. Contact us today.