Personal Umbrella Insurance in California

An umbrella insurance policy provides an additional layer of protection over and above your existing insurance policies, such as homeowner's insurance, auto insurance, and boat insurance. It offers coverage for situations where your standard policies may not provide enough protection or where you may be held liable for damages beyond your policy limits.

Coverages Offered Under Personal Umbrella Insurance Policy

• Bodily injury liability: If you or someone in your household causes an accident that results in bodily injury to another person, your umbrella policy can provide coverage beyond the limits of your auto or homeowner's insurance policy.
• Property damage liability: If you or someone in your household causes damage to someone else's property, your umbrella policy can provide additional coverage beyond the limits of your existing policy.
• Personal injury liability: If you're sued for defamation, libel, slander, or other personal injury claims, your umbrella policy can provide coverage for legal fees and damages.
• Legal defense costs: Your umbrella policy can help cover the costs of legal fees and expenses if you're sued for damages covered under your policy.