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What is Umbrella Liability Insurance?

It's summer and that means more time at the pool, on trampolines, SXS riding, cookouts, and events! We love summertime activities and look forward to this time of year. However, we are also aware of the extra liability hazard these types of activities can create. One way to protect yourself and your family is with an umbrella policy!

"Raining on your parade? I've got an umbrella! There are times when it pours. But you can make it through the rain." Icons of an umbrella and rain drops.

Personal umbrella insurance is a type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowners insurance. This type of policy is meant to help protect you from large and potentially devastating liability claims or judgements. Personal umbrella comes into play when your underlying liability limits (such as from a homeowners or auto insurance policy) have been reached.

"What is typically covered by an umbrella insurance polciy? What is typically not covered by an umbrella insurance policy? Covered: Bodily Injury, Personal Injury, Property Damage, Landlord Liability. Not Covered: Personal Belongings, Business Losses, Intentional or Criminal Acts or Omissions, Written or Oral Contracts." Icon of Stockton-Hill Insurance logo and an umbrella.

Who needs umbrella insurance?

Umbrella insurance can benefit almost anyone. That's because accidents that result in high costs can happen to anybody. An umbrella insurance policy can help prevent you from paying out of pocket for another person's medical or legal bills if you're found responsible. For instance, suppose you are found liable after a guest is injured while swimming in your pool or playing in your yard. Or, suppose you are found at fault for a car accident that injures another person. An umbrella insurance policy can help cover your resulting expenses in situations like this - up to your policy's limit.

Umbrella insurance also typically extends to other members of your household, such as your spouse, children and other relatives who live in your home and who do not have auto or property insurance in their own name. So, if your spouse causes a car accident or your teen is sued for posting a libelous comment online, your umbrella insurance policy may help protect them, as well.

A personal umbrella policy is typically very inexpensive and most companies will provide a discount on your home/auto policies for having a corresponding umbrella policy!

Contact our office for more information at 740-642-3333, or


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