Responsabilidad extra
Una capa compartida, de un millón de dólares en adelante, sobre sus pólizas de hogar y auto a la vez.
Seguro Paraguas
Un accidente serio puede superar los límites de su póliza de auto o vivienda. Un paraguas agrega una capa sobre ambas, normalmente desde un millón de dólares, por menos de lo que la mayoría espera.
Para el reclamo más grande que sus pólizas
El paraguas se asienta silenciosamente sobre su responsabilidad de hogar y auto y solo despierta cuando estas se agotan, que es justo cuando más lo necesita.
Protección más amplia
Ciertos reclamos que sus pólizas base omiten, como difamación.
Defensa legal
Costos de defensa por reclamos cubiertos, que por sí solos pueden ser sustanciales.
Para hogares con algo que proteger
- Propietarios con plusvalía y ahorros
- Familias con conductores jóvenes
- Arrendadores con una o dos propiedades
- Personas de altos ingresos cuyo activo es su ingreso futuro
Qué cubre y qué no
Generalmente cubierto
- Liability above your other policiesAn extra layer, usually starting at one million dollars, that sits over your home and auto liability.
- The catastrophic accidentA serious at-fault crash or an injury on your property that exceeds your underlying limits.
- Claims your other policies skipCertain personal liability claims, like libel or slander, that home and auto policies do not address.
- Legal defenseDefense costs for covered claims, which can be substantial on their own.
No cubierto aquí
- Your own injuries or propertyAn umbrella is liability-only. It protects others' claims against you.
- Business liabilityBusiness exposures belong on commercial policies. A personal umbrella sits over personal ones.
- Intentional actsDeliberate harm is uninsurable.
- Claims below your underlying limitsThe umbrella starts paying only after the home or auto policy beneath it is exhausted.
Preguntas frecuentes
Who actually needs an umbrella policy?
Anyone whose assets and future earnings are worth more than their auto and home liability limits. That includes more ordinary households than people assume: a single serious at-fault accident can produce a judgment well beyond typical policy limits.
How much does a million dollars of coverage cost?
Umbrella coverage tends to be inexpensive for what it does, because it only pays after your other policies are exhausted. Price depends on your household's cars, drivers, homes, and history, so we quote it alongside your other policies.
Do I need certain limits on my home and auto first?
Yes. Carriers require minimum underlying liability limits on your auto and home policies before an umbrella attaches. We line those up as part of the quote so there is no gap between layers.
Does an umbrella cover my teenage driver?
Household members, including young drivers, are typically covered, which is exactly when the extra layer earns its keep. Underwriting will ask about all drivers up front.
Umbrella vs just raising my auto limits?
Raising underlying limits is often step one and sometimes enough. The umbrella adds a larger shared layer across home and auto at once, plus some coverages neither policy has. We can price both approaches side by side.
Coberturas que combinan con esta
Cotice una capa de un millón de dólares
Cuéntenos sobre su hogar, propiedades y conductores. Alineamos las capas y lo cotizamos junto a sus otras pólizas.