Umbrella Insurance

What is a Personal Umbrella policy?
Personal Umbrella Insurance (commonly referred to as an umbrella policy) provides you with additional liability insurance above and beyond your underlying auto and home policies. This type of insurance is specifically designed to protect your assets if you’re ever faced with a claim or lawsuit that exceeds the limits of your auto or home policy.

Do you have enough liability coverage to protect your assets if a large claim or lawsuit is brought against you? Not sure? Think about these questions:

• Do you own a home, condo, or rental property?



• Is there a teenage driver in your family?



• Do you have a swimming pool?



• Do you have babysitters or cleaning people who work in your home?



• Do you transport other people’s children in your car?



• Do you have a dog?



• Are you active in sports?

These are all areas where you may be at risk. Personal Umbrella insurance helps protect your assets from liability claims resulting from unforeseen accidents. Your underlying policies (auto, home, yacht, etc.) provide you with liability coverage, but what if the damages exceed that limit? Your hard-earned possessions could be at risk.

You have no way of knowing when a claim against you or a family member will exceed the liability limits of your auto or home insurance policies.

For example, if a visitor to your home slips and falls, causing a disabling injury, you could be liable for damages beyond the coverage on your home policy. Without a Personal Umbrella policy, you would be personally responsible for claims exceeding your coverage limits.

To qualify for a Personal Umbrella policy with Electric Insurance Company, you must also carry your auto and home insurance policies with Electric Insurance. Our competitive rates are based on your individual situation and are very reasonable for the valuable coverage provided under the policy.

Don’t be vulnerable any longer. Call 1.800.DIAL.EIC for your Personal Umbrella policy quote and begin protecting you, your family, and your assets today.