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Who is Covered Under an Umbrella Policy?

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April 28, 2022

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Personal umbrella insurance provides additional liability coverage on top of your standard insurance policies. Who is covered under an umbrella policy? With umbrella insurance, members of your household are also protected. To learn how this works, continue reading. 

What Is Umbrella Insurance?

Umbrella insurance policies offer optional liability protection that goes beyond your auto and homeowner’s insurance coverage. With umbrella insurance, your coverage extends beyond incidents that occur within your home. They may even cover events that occur outside of the country. An example of umbrella insurance in action could be found in an accident where your car slides on ice and causes damage to another vehicle. If the damage exceeds your auto policy’s limits, an umbrella policy will cover the remaining costs.  

Who Is Covered By Umbrella Insurance?

Your umbrella insurance policy covers all members of your household. Although, there are some cases where members of your household might not be covered by your policy. In most cases, household members won’t be covered if they have auto or property coverage in their own name or through another insurer. For example, if you have a child who has renters insurance on an apartment somewhere other than your home, they may be excluded from your umbrella coverage.

To find out if your family will be covered by your umbrella insurance policy, speak with an insurance agent about it. They will help you determine how to ensure that your household members are covered with you. 

Related Article: What is Not Covered by Umbrella Insurance?

What Is Covered By Umbrella Insurance?

Umbrella insurance provides extra liability protection for people who already have standard home and auto insurance. These policies can cover injuries, property damage, and even certain lawsuits. Personal liability situations can often be incredibly expensive if you are at fault, but umbrella insurance will help you pay for the damages if you are. 

Here are some things that are covered by umbrella insurance policies:

  • Bodily injury liability
  • Property damage liability
  • Rental unit liability
  • Lawsuits related to slander, libel, false arrest, or malicious prosecution

Protect Yourself With Umbrella Insurance 

Umbrella policies can give you peace of mind. With it, you don’t have to worry about paying out of pocket if damages exceed your standard insurance policy limits. To access umbrella insurance, we suggest that you get help from an insurance agent. 

Magnolia Insurance Agency is ready for your call. Reach out to us today to get started with a free quote on umbrella insurance coverage in your area. You can call us at 770-213-5171.

Umbrella Policy / By Magnolia Insurance Agency

Contact Us Today – 770-213-5171

Stephen Dufour
Owner, Magnolia Insurance Agency
Office: 770-213-5171
Fax: 770-338-6932

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