Umbrella Insurance: Options to Extend Your Coverage

It’s impossible to plan for everything, and that’s true even when it comes to liability coverage. Umbrella insurance is here to help give you extra protection (and peace of mind) when you need it the most.

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Insurance Coverage for Life’s Biggest Curveballs.

If you’re thinking, “I have auto and homeowners insurance, I’m covered,” you may be wrong. Umbrella insurance goes above and beyond standard insurance policies to cover any liability gaps. Here are some examples of what your new policy can cover:

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Your liability for negligence or misconduct in a serious accident

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The cost of damage or loss of another person’s tangible property

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Personal liability situations such as libel or slander

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Protection against liability you may face as a landlord

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And more—speak to an insurance representative for details

Don’t Regret Saying “Make Yourself at Home.”

Looking to have your second home be your second income? Your current homeowner’s insurance may not cover your guests as well as your 1,000 thread count sheets. An umbrella policy is an easy and affordable way to make sure you’re covered if your guests get a little too rowdy.

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Frequently Asked Questions

What is Umbrella Insurance?

Umbrella Insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. The main purpose of your umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held responsible for damages or bodily injuries. If another party files a lawsuit against you, your umbrella coverage will pay for the damages you’re legally responsible for up to the policy limit.

What does Umbrella Insurance cover?

An umbrella policy provides additional coverage or “excess liability” above the limits of your basic policies. It can protect you from bodily injury liability claims and property damage liability claims. Umbrella policies also provide a broader form of coverage and can help cover legal fees, false arrest, libel, and slander.

How much Umbrella Insurance should I carry?

When choosing your coverage limits, consider three things: The risks you may face, the value of your assets, and the potential loss of future income. It’s best to consult an agent to go over your options and determine the amount of coverage needed.

A Few Things You Should Know

Quorum will help you through the process and help you find the best rates with our third-party insurance agencies. Discounts are not available in all states and discounts vary by state. Products are not insured by the NCUA. Insurance products are not obligations of, or guaranteed by, Quorum Federal Credit Union. Insurance products are issued by MassDrive Insurance Group.