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Umbrella Insurance

An umbrella policy provides extra liability protection and higher limits over your existing homeowners and auto insurance coverages.

Your existing coverage will apply if you are held liable for another person’s injuries or damages. But what happens if your standard policy’s limit becomes exhausted?

Instead of potentially being responsible for paying the remainder out of pocket, umbrella insurance can offer additional coverage.

Selective and your independent agent can customize an umbrella insurance policy unique to your needs.

Umbrella Insurance Benefits

While umbrella insurance can benefit everyone, specific exposures make it critically important. You may want to consider an umbrella policy if you have a swimming pool or trampoline on your property, if you regularly host parties, or if your family has multiple inexperienced drivers.

An umbrella policy adds an extra layer of liability protection to your home and auto insurance, including:

  • Broader Coverages than under standard homeowners insurance and auto insurance policies.
  • Higher Policy Limits from $1M to $10M, including uninsured/underinsured auto coverage of $1M to $2M.
  • Loss of Earnings and Defense Costs if you must appear in court.

Ask your independent agent if an umbrella policy is right for you.

Exclusive Umbrella Discount Opportunities at Selective

Bundle umbrella insurance with your existing Selective policies to receive exclusive discounts on your:

  • Selective auto policy
  • Selective homeowners policy
  • Selective home and auto insurance policies for even higher discounts

FREQUENTLY ASKED QUESTIONS ABOUT UMBRELLA INSURANCE

What is umbrella insurance and how does it work?

Umbrella insurance expands on your current home and auto liability coverage. However, you must exhaust your underlying personal lines coverage before your umbrella policy kicks in.

If it becomes apparent that your claim may exceed your underlying policy limits, your adjuster will help you review your umbrella coverage.

Typically, personal umbrella policies start at $1 million and go up from there. Talk to your independent insurance agent to determine what’s right for your unique needs.

What kinds of umbrella insurance policies are there?

Generally speaking, there are two types of umbrella policies: personal umbrella insurance and business umbrella insurance.

Most personal umbrella policies specifically exclude coverage for business activity, even if your home is your primary place of business. On the other hand, commercial umbrella insurance helps protect against risks associated with business endeavors.

If you’re ready to protect yourself with an umbrella policy, the Selective team is here to help with umbrella insurance coverage to suit your needs. Contact your local agent to find out what it means to Be Uniquely Insured.

Speak to Your Independent Agent About an Umbrella Policy