Umbrella Insurance is a secondary insurance policy that provides liability coverage over primary insurance policies, like Auto or Homeowners policies. Personal Umbrella Policies (PUPs) add million(s) of dollars of coverage to your insurance portfolio, sheltering your current assets and future wages from catastrophic claims. While Homeowners and Auto Insurance protects thousands of dollars of your assets, Umbrella Insurance protects millions. In this blog, we'll address the fo

Excess Liability insurance is commonly referred to as Umbrella Insurance. This is another layer of protection after your auto, homeowners, renters, landlord, & other personal policy liability limits have been depleted. Property Losses are capped at property's worth - Liability Losses have no limit. Examples Assume you have an auto policy with $100,000 of Property Damage limits, and say you cause an auto accident. You total the other parties' cars which are worth a total of $