Umbrella insurance, often called personal liability insurance, gives you extra protection on top of your home and auto policies. These policies kick in when your home or auto limits aren’t enough.

Bundle and save

When you insure both (car, home, rental properties, motorcycle, and umbrella) with Cano Molina Insurance, you qualify for comprehensive protection and additional savings.

How personal liability insurance works. Personal liability insurance is easier to explain with an example.

Let’s say you have an auto and umbrella insurance policy with Cano Molina Insurance. You have limits of

  • Auto Liability: $250,000 per person and a total of $500,000 per accident
  • Umbrella: $1 million

So instead of only having a liability limit of $250,000 per person, with an umbrella policy you’d have $1.25 million. Broken down, that’s

  • $250,000 auto liability
  • + $1 million umbrella
  • = $1.25 million of liability coverage

What does umbrella liability insurance cover?

Umbrella liability insurance covers

  • Extra liability coverage over the limits of the auto, home, watercraft, or RV policy
  • Family members living in your household3
  • Worldwide coverage
  • Rental properties you own
  • Personal injury if you’re sued for
    • Libel or slander
    • False arrest
    • Malicious prosecution
    • Violation of right of privacy
    • Wrongful eviction
    • Wrongful entry
  • Payment of defense costs, attorney fees, and other expenses associated with a lawsuit (defense cost coverage is in addition to policy limits)

Umbrella liability typically does not cover

  • Malpractice Lawsuits
  • Workers Compensation
  • Business pursuits
  • Damage intentionally caused by any insured