Umbrella liability insurance earns its name because the coverage arches over your car and homeowner’s policies to provide an additional layer of protection.

Also known as excess liability coverage, umbrella insurance coverage starts where vehicle and homeowner’s insurance liability limits stop.

For instance, if you’re in a car accident and liability damages exceed your auto liability limits, personal umbrella/excess liability insurance can cover the extra expense. Or, if a neighbor falls on your property and you are legally responsible, umbrella coverage can pay the additional expenses beyond the liability limits of your homeowner’s insurance.
There are specific amounts of liability coverage that must be carried on the primary or underlying automotive and homeowner’s policies in order to maintain the umbrella policy. Typically, umbrella liability insurance premiums are reasonably priced when you consider the amount of coverage offered. Generally, personal umbrella policies are for $1 million or more.

Talk to a Farm Bureau agent to help determine the amount of personal liability insurance you might need.