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Encompass® Personal Umbrella Insurance
Protection for life’s not-so-simple moments
Life can be unpredictable. There's no shortage of complicated challenges and unforeseen circumstances that could pose a real risk to your family's assets and financial future. A Surround Solutions by EncompassSM personal umbrella policy is designed to help protect you from life's unexpected events—so you don’t have to worry about protecting what’s important.
Policy features
BODILY INJURY LIABILITY
Covers medical expenses, loss of income or associated costs when others are injured.
PROPERTY DAMAGE LIABILITY
Pays for the physical destruction of someone else’s property.
PERSONAL INJURY
Covers claims from alleged libel, slander, invasion of privacy, humiliation or defamation of another person’s character, or false arrest.
ADDITIONAL DWELLINGS RENTED TO OTHERS
Extends your umbrella policy to include bodily injury and property damage for additional properties you are renting to others.
Protect yourself from real life risks.
Here are some examples of when a personal umbrella policy could provide additional personal liability coverage for you and your possessions.
You’re at fault for an auto accident.
Let’s say you have an auto policy that covers $500,000 in bodily injury and a $1 million personal umbrella policy. After a major at-fault auto accident, you’re found liable for a $1.25 million judgment.
Your auto coverage "runs out" at $500,000—meaning you're potentially on the hook for the remainder. That's where your personal umbrella coverage steps in, picking up where your auto coverage stops and covering the remaining $750,000.
Your houseguest gets injured while visiting.
It happens all the time. Someone slips on your sidewalk or falls while walking down the stairs. Hospital and doctor bills can add up quickly, and if the injury happened on your property, you could be responsible for covering the costs.
Encompass personal umbrella coverage could help protect you in the event that a guest is injured in your home. It can help protect your family's finances and future by covering the difference between your home insurance liability limit and the actual judgment, up to your personal umbrella limit. This could potentially add up to millions of dollars.
Our agents are here to help.
Talk to an Encompass Independent Agent to learn more about a personal umbrella policy.