Personal Umbrella
Broad Umbrella Coverage
A personal umbrella doesn't just extend the limits of your underlying policies — it often covers claims that fall outside what home and auto policies cover. Certain personal injury claims, libel and slander, and landlord liability are examples of exposures where the umbrella's broader coverage grant provides protection the underlying policies don't.
Personal Umbrella
What You Need to Know About Broad Umbrella Coverage
Personal Injury Coverage
Many personal umbrella policies cover personal injury claims — libel, slander, invasion of privacy, wrongful entry — that general liability on a homeowner's policy excludes or limits. For public-facing individuals or those active on social media, this coverage is meaningful.
Drop-Down Coverage
If an underlying policy is exhausted, has a coverage gap, or doesn't respond to a particular claim, a well-written umbrella can drop down and provide primary coverage. This feature varies by policy form and is worth verifying before assuming it applies.
Coverage Grant Review
Not all personal umbrella policies provide the same coverage. Some follow the underlying policies narrowly; others provide broader grants. Reviewing the umbrella's coverage grant alongside your underlying policies identifies any gaps before a claim demonstrates them.