What Does Personal Umbrella Insurance Cover?

Personal Umbrella Coverage

Personal Umbrella boosts your insurance protection and peace of mind. These are the standard coverages and optional enhancements you can get.

What is personal injury coverage?

Personal injury coverage is a standard protection that safeguards you in the event you’re legally responsible for causing harm to others, such as defamation or invasion of privacy. When having PSIC Personal Umbrella Insurance you have an extra layer of protection when assuming related legal expenses and damage claims.

Imagine you had a misunderstanding with a neighbor and received a defamation notice. With Umbrella Insurance you’ll have extended liability protection when handling its legal expenses.

What is bodily injury coverage?

Bodily injury coverage is a standard protection that safeguards you when you’re found legally responsible for accidentally hurting someone else, in events like an accident in a home, or when using your motorcycle, for example. PSIC Personal Umbrella will help you assume legal expenses and damage claims.

Imagine you caused a motorcycle accident, hurting the other driver and his bike. You immediately cover his medical expenses, but when having to pay for the motorcycle repairs, you reach your liability limit in your Motorcycle Insurance. If you priorly added Umbrella Insurance, you could avoid those extra expenses.

What is property damage coverage?

Property damage coverage is a standard protection that safeguards you in the event you’re held responsible for causing damage to others’ premises. It covers the legal and damage expenses you may need to pay. PSIC Personal Umbrella coverage will help you assume legal expenses related and damage claims.

Imagine you accidentally broke your neighbor’s front door and you need to pay for its repair but you exceed your Homeowners Insurance coverage limit when covering its repair. If you previously acquired Personal Umbrella Insurance you’ll be able to cover the damage without having to pay out of your pocket.

What is landlord liability coverage?

Landlord liability coverage is a standard protection that safeguards you while renting out, in the event you’re held responsible for causing harm to others, or property damage. This helps you cover up potential claims or perils you may have to pay with your investment property.

Keep in mind that Landlord Insurance policy doesn’t provide liability protection in the standard coverage, you have to include it as an enhancement. Personal Umbrella can bring you liability coverage from potential risks when being a landlord.

What is uninsured and underinsured motorists coverage?

Uninsured and underinsured motorist coverage is an endorsement you can add to your Personal Umbrella Insurance to protect yourself and your insured passengers when having a vehicle. If there’s an accident caused by a driver who has either no insurance or an insufficient one, this enhancement helps you cover damages.

This optional coverage is also often referred to as UM/UIM. Keep in mind that Motorcycle Insurance policy doesn’t provide uninsured and underinsured motorist protection in its standard coverage, you have to include it as an enhancement. Personal Umbrella is an extra safety net from potential accidents when driving your bike.

Where Does PSIC Offer Umbrella Insurance?

We currently offer Umbrella Insurance in the state of California. To learn more about how you can customize your policy please select the state.

We plan to expand our Umbrella Insurance coverage nationwide soon, ensuring everyone the benefit of our reliable insurance solutions.