What is covered under umbrella insurance?
Umbrella insurance protects you and your family from claims arising from bodily injury to others or damage to other people's property. In addition, depending on your policy, you may be covered for a range of claims like defamation, landlord responsibility, and false imprisonment.Your teenage son meets with a car accident, and the cost of injuries to other drivers is above your auto insurance liability limit.
A houseguest slips down your stairs and sues you for her medical bills plus pain and suffering, exceeding your homeowners' insurance liability limit.
A restaurant sues you for writing an unfavorable review online.
Details and exclusions can be contrasting significantly between umbrella policies, but here are a few sample scenarios that would generally be covered: