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Personal Umbrella

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A personal articles floater is a separate rider or endorsement that can be added to your homeowners policy for personal items that have a higher value than the limits imposed in your homeowners policy. There are typically nine classes of personal property on the declarations page of the floater that apply to this insurance, and the limit of liability and premium are quoted next to each class. Each class should be fully described on a schedule of covered items with a value attested to by an expert appraiser and submission of a photo, if possible.

What is Personal Umbrella Insurance?
Your personal umbrella insurance gives you liability coverage:

In today's litigious environment, lawsuits can run into the hundreds of thousands of dollars or more if you or those living in your home or operating machinery or vehicles you own are determined to have been negligent. Your automobile and homeowner insurance policies will typically cover you up to the first $300,000 of a covered claim. To cover your risk up to $1 million or more, you can usually purchase a personal umbrella policy from the insurance company that insures your home and/or car.

  • Do You Need Umbrella Coverage?
    Umbrella policies are more important when you have significant assets to protect. People with less than $250,000 of net worth should not purchase an umbrella policy. [If you have up to $250,000 of net worth, you should have at least $300,000 liability protection on your auto bodily injury per accident and your homeowners/renters/condominium liability.
  • Combine insurance for a price break
    When you purchase both your homeowner and automobile insurance from the same insurer, you typically receive a discount off the premiums of both policies.
  • Ask about minimums
    The personal umbrella policy often requires a minimum of $100,000/$200,000 of bodily injury liability protection and $50,000 of property damage liability protection under the motor vehicle liability section of your automobile insurance, and $300,000 of comprehensive personal liability under your homeowner insurance. If you also own a watercraft, there may be a combined single limit for marine liability as well.
So learn about what type of coverage suits your needs.

Free Low Quotes and Trusted Online Resources

All Your Needs Insurance can get you a free low quote, as well as aligning you with an personal umbrella insurance professional who can answer your questions. We make it simple to get a free competitive personal umbrella
insurance quote.

Start saving now, get your free low personal umbrella insurance quote today!

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