Any type of home insurance policy (house, condo, tenant, mobile home) provides personal liability insurance along with the policy. This liability coverage protects you from claims made by others for your negligent acts. Someone slips and falls on the ice at your doorstep, someone drowns in your pool, or suffers an ilness from dinner you served, or maybe someone get's hurt by an errant golf ball you hit. All these types of claims are covered by a personal liability policy.
Most of our clients carry $1,000,000 of liability coverage along with their residence policy. Higher limits need to be considered as claims contiue to rise in the courts. The best way to increase your liability insurance is through and umbrella liability policy, shown below.
Personal umbrella liability provides liability insurance protection over and above the limit of your current home, watercraft and automobile insurance. On your basic policies covering your home, car, boat etc, you need to carry $1,000,000 of liability protection, and then you can buy an umbrella liability policy for an extra amount of insurance ranging from $1,000,000. to $5,000,000. which will cover you on all those items.
In addition, personal umbrella liability also covers a number of items normally excluded from your basic coverage on your residence policy such as:
Coverage is worldwide, except for automobile liability which is normally restricted to Canada and the United States.
Click on our Locations and Contact bar for a location near you, and a member of our Personal Solutions Team will be pleased to help you.
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