🚗 Bodily Injury Liability
Covers medical expenses and legal costs if you are at fault for injuries to others.
- Auto accidents where you are the driver at fault.
- Harm caused to someone by your family pet.
- Guest injuries from slips or falls inside your home.
- Neighboring children getting hurt while playing in your yard.
🏡 Property Damage Liability
Covers the cost of damage or loss to another person’s physical property.
- Vehicle damage resulting from an auto accident you caused.
- Property damage created or caused by your family pet.
- School property damage caused directly by your child.
🔑 Landlord Liability
Protects your financial assets against liability claims as a rental property owner.
- Sidewalk accidents where pedestrians sue after slipping or tripping on your property.
⚖️ Personal Injury
Assists with legal defense and damages if you face personal lawsuits.
- Defamation claims including cases of slander or libel.
- Legal disputes involving false arrest or malicious prosecution.
- Emotional distress or other non-physical personal liability situations.
❌ What is Excluded?
A personal umbrella policy typically does not cover:
- Your own physical injuries or medical expenses.
- Your own personal property, vehicles, or belongings.
- Business losses including injuries or property damage your business is liable for.
- Intentional acts or any criminal activity.
- Identity restoration services or cyber fraud.
- Contract disputes arising from written or oral agreements.
Protect Your Assets Today
Call us today to see if a personal umbrella policy is right for you!
