Coverage that goes above and beyond
Personal umbrella insurance helps protect you against large liability claims. When you've reached the liability limit on your property policy, a personal umbrella policy will kick in to help prevent you from paying out of pocket.
If a guest is injured in your home and sues you for $1 million dollars, personal umbrella insurance starts working once you reach the liability limit on your property insurance. Without this extra protection, your assets, like retirement accounts and real estate, could be at risk.
Allstate typically offers personal umbrella limits between $1 million and $5 million. Your policy can also help cover:
- The cost of an attorney if you're sued over a covered incident
- Lost wages due to a court appearance, up to your policy limits
- Incidents even when you're out of the country
