Umbrella Insurance
An umbrella policy adds an extra layer of liability coverage, usually $1 million or more, on top of your home and auto policies. If a serious accident exceeds your normal limits, the umbrella steps in to protect your savings, your home equity, and your future income.
What it commonly covers
- Liability beyond your auto and home policy limits
- Lawsuits from accidents where you're held responsible
- Incidents involving boats, rentals, and recreational vehicles
- Certain claims your home and auto policies exclude, such as libel, slander, or defamation
Every policy is different. Actual coverage depends on the carrier and options you choose. We'll walk you through it in plain English.
How Fairhouse helps
Whatever your situation, here are a few of the ways we make it easier:
- Add a layer of liability on top of your home and auto
- Protect your savings, home equity, and future income
- Cover the added risk from teen drivers, rentals, or toys
- Get substantial protection for a few hundred dollars a year