Personal Umbrella Insurance in Harvey, LA
Personal umbrella insurance can provide extra protection beyond your standard liability insurance coverage. At Liberty Pro Insurance, we provide guidance and personalized service to ensure you have appropriate coverage to safeguard your assets.
What Is Personal Umbrella Insurance?
Personal umbrella insurance is a type of liability insurance that kicks in when the limits of your underlying liability policies (like home, auto or boat insurance) are exhausted. It can offer additional coverage to protect your assets and future earnings from major claims and lawsuits. 
What Does It Cover?
Personal umbrella insurance typically covers the following:
- Bodily injury liability may cover medical bills and liability claims if someone is injured in an accident where you are at fault, such as a car accident or an incident at your home.
- Property damage liability may cover the cost of damage to someone else’s property caused by you or a household member.
- Legal fees may cover the cost of legal defense if you are sued for damage that exceeds your primary insurance limits.
- Personal liability situations may provide coverage for incidents like libel, slander, defamation and invasion of privacy, which are not typically covered by standard policies.
How Much Personal Umbrella Insurance Should I Have?
The amount of coverage you need depends on your net worth and potential risks. A common recommendation is to have enough umbrella insurance to cover your total assets.
How Often Is Personal Umbrella Insurance Used?
While personal umbrella insurance might not be used frequently, when it is needed, it can be a financial lifesaver. Knowing you are protected against unforeseen large claims makes it a valuable addition to your insurance portfolio.
Learn More
For reliable insurance solutions in Gretna, Louisiana, trust Liberty Pro Insurance. We provide personalized coverage to protect what matters most to you. Contact us today to learn more.