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Accidents happen - and not just to other people. It seems that our courts continue to award higher and higher damages. Sometimes, the liability limits on your home and auto policies may not be enough. Protect yourself and your family with a Personal Umbrella Liability policy.
This policy acts as an umbrella because it is over and above your current home, auto and/or watercraft liability limits. If the limits on these underlying policies are not enough to cover a judgement against you, then your umbrella policy responds.
You must have at least $1,000,000 liability on all of your policies. You can then top that up with a Personal Umbrella Liability policy for up to $5,000,000. The annual premium for most standard umbrella policies is less than $300.
Here's what you get:
- covers your home, cottage, automobiles, boats, recreational vehicles - anything for which you already have a basic personal policy
- auto liability coverage in all of Canada and the United States
- worldwide protection for all other liability exposures
- coverage for libel & slander
- coverage for defamation of character
- coverage for false arrest
- limits of up to $5,000,000
- Peace of mind
Think it over. If you would feel more secure with a Personal Umbrella Liability policy - then give us a quick call or drop us an email. Find out what the premium would be for your family.
Please remember that all policies vary from company to company. The outline above is for reference purposes only. The actual wording, conditions and exclusions on your policy will apply.
For more information, contact a Timmerman Insurance Broker today!
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