Personal Liability Umbrella

Lawsuits are common today. More and more, juries are awarding very large verdicts. If you accidentally injure someone or damage their property, you could be sued. Your homeowners, property and auto policies may provide substantial liability limits, but juries can award damages that exceed those limits.


Farmers Personal Liability Umbrella provides coverage in increments of $1 million. It supplements your present policies to provide additional personal liability protection.

The Umbrella policy goes into affect after the underlying liability limits on your homeowners or auto policy is exhausted. Therefore, your policy must have certain limits in order to qualify for an Umbrella policy.

Typically, these are the policy limits that either your auto or homeowners policy needs to have. Please check with me if you have any questions.

Auto Insurance Liability Limits: $250,000 bodily injury per person

$500,000 bodily injury per occurrence

$50,000 property damage per occurrence

Homeowners Insurance Liability Limits: $300,000

Farmers Personal Umbrella policy can provide the protection you need. Umbrella Liability insurance acts like an umbrella, providing extra protection on top of your Auto and Homeowners Liability policies.

The policy provides extra protection in three ways:

• Liability insurance that adds to the limits of your Automobile, Homeowners and Recreational Vehicle or Boat Liability policy limits.
• Coverage for unknown or unexpected exposures that are excluded in typical Auto, Homeowners, Recreational Vehicle or Boat Liability policies.
• Coverage for the cost of your legal defense. This includes court costs, interest on judgments and premiums on necessary bonds.

For more information, please contact me.

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