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  Since 1917, the kind of people you can depend on.
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 Personal Umbrella Programs
 Picture of a large house You don't have to be a millionaire to be sued like one! If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, which pays for judgments against you and your attorney's fees up to an amount set in the policy. However, you may want to have an extra layer of liability protection, and that's what a personal umbrella liability policy provides.

It kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy. An umbrella policy will also cover you for things such as libel and slander.

For about $150 to $300 per year you can buy a $1 million personal umbrella liability policy.

Because the personal umbrella policy goes into effect after the underlying coverage is exhausted, there are certain limits that usually must be met in order to purchase this coverage. Most insurers will want you to have about $500,000 of liability insurance on your auto policy and $300,000 of liability insurance on your homeowners policy before selling you an umbrella liability policy for $1 million of additional coverage.

Contact Linda Hottle to discuss your specific needs.

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