A personal umbrella policy is used to:
Explanation
A personal umbrella policy adds an extra layer of liability limits above the insured's underlying home and auto liability coverage, and it may cover some claims the underlying policies exclude, subject to a self-insured retention. It generally requires the insured to maintain specified underlying limits. It is excess liability protection, not property coverage and not a substitute for underlying insurance.
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Related questions on this topic
- The standard HO-3 generally excludes liability for motor vehicles, with limited exceptions. Coverage for a snowmobile or ATV used OFF the residence premises is BEST obtained how?
- The insured's dog bites a jogger in a public park three blocks from the home. Assuming no policy exclusion for the specific breed and no prior bite history, how does the standard HO Coverage E generally respond?
- A homeowner with a valuable diamond ring worth far more than the policy's jewelry sublimit can obtain full, itemized coverage by adding a:
- On a scheduled personal property endorsement, each article that is listed is:
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