Umbrella Insurance

Personal umbrella insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel.

The umbrella policy coverage "kicks in" where you’re existing coverage ends, up to limit of the umbrella policy purchased.

Personal Umbrella Protection covers:

• Operating most motor vehicles, including cars, RV’s, motorcycles, pickup trucks, and most watercraft
• Incidents involving any property covered by your basic homeowners policy.
•  Incidents alleging slander, libel, defamation of character, invasion of privacy, even false arrest.
•  Business liability coverage is provided if covered by your basic homeowners policy.

Catastrophes of the Court

How much does your policy cover?

Depending on the level of coverage you’ve purchased, ERIE’s homeowners insurance can help cover legal costs if you’re taken to court—for instance, if someone slips and falls in your driveway and blames you. But how much your policy will cover is limited to the amount stated in your policy. It may not be enough if the case doesn’t end in your favor.

To make sure you have adequate coverage, even for catastrophes of the court, consider purchasing a Personal Catastrophe Liability (PCL) policy, more commonly known as an umbrella policy.

The benefit of ERIE’s Mastercover Policy is that it offers a higher level of financial security in case you are sued for an accident.

These policies are highly important in this litigious age of multi-million dollar lawsuits. Insurance experts and financial planners say umbrella policies, or personal liability coverage, should be standard practice. Yet studies show that fewer than 15 percent of Americans purchase umbrella policies, which typically have annual premiums under $200 a year for $1 million or more in coverage. If you’re one who hasn’t purchased an umbrella yet and you’d like to, give us a call. We can help. 555-555-5555 [option to insert agency phone number]

* Not all companies are licensed or operate in all states. Not all products are offered
in all states. Go to erieinsurance.com for company licensure and territory
information.

* With permission from Insurance Information Institute

If you are interested in obtaining more information or a quote, contact brock insurance.

Brock Insurance is an insurance agent for the following insurance companies

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