Umbrella Insurance

Even if you’re already insured, judgments from lawsuits could exceed the current liability limits on your existing underlying insurance policies, especially if the injured party’s damages or injuries were substantial. Personal excess liability policies provide coverage for non-business liability claims, such as defamation of character, libel, slander, and false arrest, that are not covered by your other Farmers GroupSelect insurance policies.

Additional Coverage & Higher Limits at an Affordable Price

The more assets you own, the more vulnerable you could be. Lawsuits are common and legal costs to defend a suit may be capped to the limits of your underlying policy. Judgments could be substantial; so, personal excess liability insurance could be financially valuable and provide reassurance. 

Personal excess liability policies are designed to provide coverage** under the following circumstances, when:

  • Injuries are sustained by others in the insured’s home or property and the damages exceed the underlying homeowners policy’s liability limit
  • An accident involving the insured’s automobile, boat, or recreational vehicle causes injury to a third party or loss to his/her property with the damages exceeding the insured’s underlying policy limit.
  • Judgments exceed the insured’s current coverage limits.