Limit
Total umbrella limit and whether defense costs reduce it.
Field guide · 04
Personal umbrella
Examine the extra liability layer above home, renters, and auto policies, including the underlying limits the umbrella requires.
Ask before you choose
Questions for the agent or insurer
- 01
Which underlying home, renters, auto, boat, or landlord policies must be scheduled?
- 02
What minimum underlying liability limits are required?
- 03
Does the policy cover personal injury claims such as libel, and what is excluded?
- 04
How are household members, young drivers, rentals, and properties handled?
- 05
Would the umbrella defend a covered claim in addition to paying damages?
Apples to apples
Put these fields beside each other.
Underlying rules
Required limits and policies that must remain in force.
Covered people
Named insureds, household members, students, and drivers.
Exclusions
Business activity, intentional acts, professional work, and other restrictions.
Primary sources