PROTECT YOUR FAMILY & YOUR ASSETS
UMBRELLA
(208) 255-2222
PERSONAL UMBRELLA LIABILITY POLICY
PERSONAL UMBRELLA INSURANCE
Advocate Insurance offers a variety of personal umbrella insurance policies to help protect your entire household from financially devastating lawsuits / losses. Personal umbrella liability insurance provides that additional layer of insurance that is necessary to protect your lifestyle.
- Umbrella Liability Policy
- Personal Injury
- Property Damage Protection
BEST PRICES, BETTER COVERAGE
ELIGIBILITY REQUIREMENTS
Advocate Insurance offers personal umbrella liability insurance to provide an additional layer of insurance against possible losses. Your personal umbrella liability covers things like: assets, protection against lawsuits, protection against injury, and property protection.
- Your auto insurance limits must be at least $300,000 Combined Single Limits (CSL) or $250/500/100 Split Limits
- Your homeowner, renter or condominium liability limits must be at least $300,000 CSL
- Your water-craft liability limits must be a least $300,000 CSL
- All underlying policies must be written with your primary carrier
ADDITIONAL ADVANTAGES
Your Personal Umbrella Liability Policy provides Personal Injury and Property Damage protection.
Limits begin at $1,000,000 but higher limits may be available. Since your other insurance policies would pay first, Personal Umbrella Liability insurance is relatively inexpensive in view of the degree to which it protects your lifestyle. The premium is based on the limits selected, you number of autos, residence, boats, etc., and the area where you live.
- Against libel, slander and defamation of character
- Against mental anguish or mental injury
- Accidental death
- And while serving on a board, or as an officer of a religious, charitable or nonprofit organization as long as it does not involve your business of profession
DO YOU NEED A PERSONAL UMBRELLA LIABILITY POLICY?
You may want to consider a personal umbrella liability policy if you meet the following criteria:
- You have total assets greater than underlying liability limits
- You are financially responsible for the actions of a young inexperienced driver
- You perform extensive volunteer work for nonprofit organizations
- You frequently host guests on your property
- Your residence includes a swimming pool
- You own water-craft
WE LOOK AT INSURANCE DIFFERENTLY