An Extra Layer of Protection When It Matters Most
Umbrella insurance picks up where your auto and home policies leave off.
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What Is Umbrella Insurance?
A personal umbrella policy provides additional liability coverage beyond the limits of your underlying auto, homeowners, or renters insurance policies. If a covered claim exceeds your underlying policy's liability limit, your umbrella policy can help pay the difference, up to your umbrella policy limit.
Umbrella policies are typically sold in increments of $1 million. Coverage availability and limits vary by state and are subject to underwriting approval.
What Umbrella Insurance Covers
A ShieldPoint umbrella policy generally covers:
Excess Liability from Auto Accidents
If you cause a serious auto accident and the resulting liability judgment exceeds your auto policy's liability limit, your umbrella policy can cover the excess amount, up to your umbrella limit.
Excess Liability from Property-Related Incidents
If someone is seriously injured on your property and the claim exceeds your homeowners or renters liability limit, your umbrella policy can help cover the balance.
Certain Lawsuits
Umbrella policies may cover liability arising from certain personal injury lawsuits, such as defamation, libel, or slander, that may not be covered under your underlying policies. Coverage for these situations varies by policy form; please review your policy for specifics.
Legal Defense Costs
In many cases, umbrella coverage includes legal defense costs for covered claims, even if the lawsuit is ultimately without merit.
What Umbrella Insurance Does Not Cover
Umbrella insurance has important exclusions. It generally does not cover:
- Your own injuries or property damage — Umbrella insurance is liability coverage. It does not pay for your own medical bills or repair your own vehicle or property.
- Business activities — Liability arising from business activities is typically excluded. A separate business or commercial liability policy would be needed.
- Intentional or criminal acts — Claims arising from intentional or illegal conduct are not covered.
- Contractual liability — Liability you assume under a contract is generally not covered unless it would exist without the contract.
- Claims not covered by an underlying policy — In most cases, umbrella coverage only applies where underlying coverage exists. A claim that your auto or homeowners policy would deny is likely also excluded under umbrella.
This is not a complete list of exclusions. Please review your policy for full terms and conditions.
Underlying Policy Requirements
To qualify for a ShieldPoint umbrella policy, you typically must maintain minimum liability limits on your underlying auto and homeowners or renters policies. These required minimums vary and will be confirmed during the quote process. Failure to maintain required underlying coverage could affect your umbrella coverage in the event of a claim.
Is Umbrella Insurance Right for You?
Umbrella coverage may be worth considering if you own significant assets, have a higher-than-average risk of liability claims (e.g., you have a teen driver, a swimming pool, or a dog), or simply want broader peace of mind. Speak with a licensed ShieldPoint agent to discuss whether umbrella coverage fits your situation.
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