Many critical insurance policies include liability coverage, but if you have concerns that your limits aren't high enough, a personal umbrella policy can help provides more coverage. 

Contact the Brooks McCall Agency in Wilmington, Delaware, today to learn more about how umbrella insurance can potentially protect your personal financial health. 

What Is Personal Umbrella Insurance? 
Personal umbrella insurance, also called excess liability insurance, picks up where your liability insurance policy limits leave off. If you are legally liable for third-party property damage or injuries, your liability insurance helps pay damages up to the policy's limits. Without umbrella insurance, you could be held personally liable for additional costs. 

If you have personal umbrella insurance, that coverage kicks in when a claim exceeds the limits of your liability insurance. 

Umbrella insurance allows you to cover your obligation in a scenario where a covered accident or incident causes someone else harm without having to use your savings or assets to pay for costs that reach beyond your liability coverage limits. 

What Does an Umbrella Liability Policy Cover? 
A personal umbrella insurance policy acts like an "umbrella," shielding your personal finances from the adverse effects of potential claims. It can often be used in conjunction with the liability portion of the following policies: 

Before your umbrella policy begins paying for third-party damages, a covered accident or incident for which you are legally liable must exceed the limits of one of your other liability policies. All policies vary, but many umbrella policies provide a minimum of $1 million in additional coverage and may cover liabilities not covered by your other insurance policies. 

How Much Does Umbrella Insurance Cost? 
A personal umbrella insurance policy is generally inexpensive, considering how much coverage it provides. Many factors influence the cost of your umbrella insurance policy, including your claims history, the risks you face, where you live and how much protection you purchase. Your agent can help you get quotes based on your personal information. 

Get a Personal Umbrella Insurance Policy Today 
A personal umbrella policy helps provide additional coverage in case your legal liability exceeds the limits of your other insurance policies. This inexpensive coverage can help provide financial protection from unexpected events. 

Talk with the agents at Brooks McCall Agency today to learn more about how personal umbrella coverage could work with your other policies to increase your total liability coverage.