Personal Umbrella Insurance

You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. But receiving a lawsuit with a million-dollar demand is not as uncommon as you might think. If you receive such a court summons and have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive peace of mind for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.

Wondering how much umbrella coverage you should have? Answer 6 simple questions on Hanover’s UMBRELLA COVERAGE CALCULATOR page and find out instantly.