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Umbrella Insurance at BMR Insurance Agency

Proudly serving insurance needs in Orange County for over 44 years.

What is Umbrella Insurance?

Umbrella InsuranceUmbrella Insurance provides an umbrella for you to stand under in the event of a liability claim. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Umbrella Insurance policies protect you from liability issues that go beyond the liability limits of standard insurance policies, such as your homeowner’s insurance, car insurance, etc. This policy puts you under its umbrella so that when you exceed the liability coverage limits on an underlying policy, you will still be protected.

What does Umbrella Insurance cover?

Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability coverage’s. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance policy. Umbrella coverage starts when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.