Bodily injury

Bodily injury coverage helps pay for expensive costs you’re held responsible for in an accident, including medical expenses, loss of income, funeral expenses and more. It may include medical costs due to injuries in an auto accident or accidents on your property for which someone might sue.

Personal injury

Personal injury protection is one you may not find on a typical auto or homeowners policy. Personal injury may stem from invasion of privacy, defamation of character, wrongful entry and more. Umbrella insurance may help cover expenses if you’re held liable for these damages. It won’t, however, cover intentional injury.

Property damage

Property damage coverage on an umbrella policy can help cover damage you cause in an auto accident or to someone else’s property – for instance, if your teen driver accidentally drives into a storefront. Between the structural repairs and destroyed merchandise, these repairs could exceed the limits of your typical auto or homeowners insurance policy.

Landlord liability

If you own a rental property, adding optional coverage to an umbrella policy can offer extra protection for your properties that go beyond the limits of a landlord policy. The additional coverage can help protect rental properties against claims involving injuries to tenants or guests.

Slander, libel, and defamation of character

While you may not anticipate being sued for slander, libel, or defamation of character, you can’t always rule it out. Say you have a teenager who gets involved in an online debate with a classmate. Emotions run high and, without thinking twice, your teen takes the argument a step too far.

If the classmate’s family decides to sue your family for libel, defending yourself against the lawsuit racks up attorney fees and costs. If you have an umbrella insurance policy, it can help ease the financial stress of paying for your defense.