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Personal Umbrella
A Farmers Personal Umbrella policy gives you
the security and peace of mind you need to enjoy life's pleasures. The Farmers
Personal Umbrella can add to your security with:
- Additional liability insurance, over the
limits of your Auto, Homeowners, Recreational Vehicle or Boat Liability
policy limits.
- Coverage for certain types of unexpected
exposures (e.g. defamation of character, invasion of privacy, libel,
slander) that might not be covered by your current policies (some exclusions
apply).
- Coverage for legal costs, including legal
representation, court costs, interest on judgments and premiums on necessary
bonds.
The Personal Umbrella policy provides two
types of liability coverage:
-
Vertical
- Excess liability protection insurance for catastrophic losses.
Coverage is stacked on top of the underlying coverage to provide total
limits to the sum of both.
-
Horizontal
- Coverage for unknown, unexpected, and therefore uninsured losses
(subject to policy exclusions). Fills coverage gaps left by certain
exclusions on the basic underlying policies.
For
further information, please contact Darius
Vasquez.
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