Umbrella From the Storm: Know Your Insurance Liability Limits

Personal liability is a lesser known part of the individual home insurance policy. The standard home, condo, or renter's insurance policy should also include personal liability coverage in the event of a personal lawsuit, etc.

Our insurance agency always feels this is an important coverage form not to be overlooked.

In the event you're looking for higher limits of protection for personal liability, then it is prudent to consider an umbrella liability insurance policy. Not only can this policy increase the limit of liability protection, it can also extend liability coverage over auto insurance, second homes and rental properties, etc.

As well, umbrella policies can sometimes provide additional coverage benefits not found under the home or auto insurance policy.

As always, review your own insurance policies for coverage details.