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Personal Umbrella Insurance for
Higher Income Individual's Properties & Cars
Protect your liability by adding a cost-effective personal umbrella to your insurance plan.
Coverage tailored to your family, life, and assets.
Access to multiple top rated companies.
Simple guidance from a trusted independent agency.
Takes about 2 minutes - No obligation
What Does Your Personal Umbrella Insurance Cover?
Automobile Liability
Provides additional liability protection if you are responsible for injuries or damages in an accident that exceed your auto policy limits.
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Homeowner Liability
Extends liability coverage beyond your homeowners policy if someone is injured on your property or you are held responsible for damages.
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Rental Property Liability
Helps protect you financially if a tenant/visitor is injured at a property you own and the claim exceeds your landlord insurance limits.
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Recreational Vehicle
Provides additional liability protection for accidents involving recreational vehicles such as boats, jet skis, or ATVs.
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Additional Coverage Options
Personal Liability
Offers an extra layer of financial protection if you are held responsible for bodily injury or property damage to others.
Lawsuit Protection
Helps safeguard your personal assets if you are sued and damages exceed the limits of your primary insurance policies.
Libel & Slander
Provides protection if you are accused of defamation, including libel or slander claims.
Legal Defense Costs
Helps cover legal fees and court costs associated with defending yourself in a covered liability lawsuit.
Partnered With Top Insurance Carriers
We work with a number of the highest rated insurance carriers in the nation to ensure our clients receive the best Homeowners options at competitive prices.
Umbrella Insurance
Frequently Asked Questions
If you have any additional questions, please email info@bollinsure.com or get a review of all your insurance needs.
What is a personal umbrella insurance policy?
A personal umbrella policy provides additional liability protection above the limits of your underlying insurance policies such as auto insurance, homeowners insurance, or rental property insurance. It can help provide an extra layer of financial protection if a large claim or lawsuit exceeds those limits.
Can umbrella insurance apply to homeowners liability claims?
Yes. Umbrella coverage can provide additional protection above the liability portion of a homeowners policy if a claim or lawsuit arises from injuries or property damage that occurs on your property.
Can umbrella insurance cover recreational vehicles?
In some cases umbrella policies may extend liability protection over certain recreational vehicle policies such as boats, ATVs, or other recreational vehicles, depending on the policy terms and underlying coverage.
Who should consider having a personal umbrella policy?
Umbrella insurance may be considered by individuals who own homes, rental properties, vehicles, recreational vehicles, or other assets that could expose them to potential liability claims.
What types of policies does umbrella insurance sit on top of?
Umbrella insurance typically sits above several underlying policies, including personal auto insurance, homeowners insurance, rental property insurance, and in some cases recreational vehicle policies depending on the insurer.
Does umbrella insurance cover rental property liability?
Many umbrella policies can extend over rental property liability coverage, helping provide additional liability protection if a tenant or visitor is injured on a rental property and the claim exceeds the landlord policy’s limits.
Why do insurance companies require minimum liability limits before issuing an umbrella policy?
Umbrella policies require certain minimum liability limits on the underlying policies to ensure there is sufficient primary coverage before the umbrella coverage applies.
What situations could umbrella insurance help protect against?
Umbrella coverage may help protect against large liability claims such as major auto accidents, injuries on your property, certain rental property incidents, or other liability exposures that exceed underlying policy limits.
How does umbrella insurance work with auto liability coverage?
If an accident occurs and the damages exceed the liability limits of your auto insurance policy, a personal umbrella policy may provide additional liability coverage once the underlying limits have been exhausted.
Why do insurance companies require minimum liability limits before issuing an umbrella policy?
Umbrella policies require certain minimum liability limits on the underlying policies to ensure there is sufficient primary coverage before the umbrella coverage applies.
How much umbrella coverage do people typically consider?
Umbrella policies often start at $1 million in coverage, with higher limits sometimes available. The appropriate amount depends on personal assets, liability exposure, and individual circumstances.
Does umbrella insurance cover business activities?
Personal umbrella policies typically do not cover liability arising from business operations. Separate business insurance may be required for those exposures.