Umbrella Liability Insurance
Extra liability protection beyond standard policy limits covering major incidents and protecting personal assets.
Key Benefits
Coverage starts at $1M typically
Covers excess liability beyond underlying policies
Much cheaper than increasing base policy limits
Protects personal assets from major litigation
Available for portfolio of properties
Ideal For
Multi-property investors
High-net-worth individuals
Investors with liability exposure
Portfolio protection strategy
Coverage Highlights
- •Excess liability coverage
- •Personal asset protection
- •Coverage for multiple properties
- •Defense cost coverage
- •Broader coverage than underlying policies
Average Cost
$200-$500/year for $1M coverage
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Umbrella insurance stands alone (requires underlying policies)
All incidents covered by umbrella (must be covered by base policy first)
Expensive per million dollars of coverage (actually very affordable)
Only needed for large portfolios (valuable at any property count)
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