When a liability claim reaches beyond your limits
Your family’s savings and future belong in the conversation about a large liability claim. Discuss personal umbrella insurance with Ting Insurance Services LLC, starting with the liability limits on your home and auto policies.
What it usually covers
Policies vary; your policy wording decides. Coverage may include:
- Covered liability costs above the limits of underlying policies.
- Legal defense costs for covered claims.
- Certain liability claims outside an underlying policy's coverage, if the umbrella terms allow.
This is liability insurance, not insurance to repair your own house or car. Underlying-policy requirements need a separate review.
What to have ready for a quote
- Current home, renters and auto policies and their liability limits.
- Properties, vehicles and drivers to discuss.
- Rental properties, pools, pets or other activities you want reviewed.
- Questions about the amount of additional liability insurance to consider.