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 effect after the underlying liability limits on your homeowners property, or auto policy are 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 insurance policy need to have:

• 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 extra protection you need, Umbrella Liability Insurance acts like an umbrella, providing extra protection on top of your auto or homeowners policies, recreational vehicle coverage, or boat liability policy. Coverage also covers the cost of your legal defense including court costs, interest on judgments, and premiums on necessary bonds.

To find out more about Personal Liability Umbrella Coverage, please phone our office or send us an e-mail and an agent will be in touch with you right away.