Kings Crown Insurance Agency
Personal Umbrella Insurance in Illinois
A serious liability claim can exceed the limits of an underlying auto, home, or renters policy. Personal umbrella coverage is designed to provide an additional layer of eligible liability protection.
How this coverage may help
- Additional liability limits above eligible underlying policies
- Protection for certain covered legal defense costs
- Households with youthful drivers or multiple vehicles
- Homeowners, landlords, and people with significant assets or income
- Certain personal liability exposures, subject to policy terms
What to consider before requesting a quote
A clear discussion starts with your situation, priorities, and current protection. Helpful topics include:
- Current auto and property liability limits
- Drivers, vehicles, homes, rental properties, and recreational exposures
- Required underlying limits
- Activities or risks that may be excluded
Frequently asked questions
Is umbrella insurance the same as excess liability?
The terms are sometimes used together, but policy scope can differ. Review the specific contract, underlying requirements, exclusions, and limits.
Do I need home and auto insurance before buying an umbrella policy?
Umbrella policies generally require eligible underlying liability policies with specified minimum limits.
How much umbrella coverage should I consider?
The answer depends on assets, income, household exposures, and comfort with risk. A coverage discussion can help identify an appropriate starting point.