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Personal Umbrella Policy
With Farmers Personal Umbrella policy, you can protect
everything for which you’ve worked so hard for. It gives you the
security and peace of mind you need to enjoy life’s pleasure. The
Farmers Personal Umbrella can add to your safekeeping by limiting your
exposure to large liability losses. Even if you don’t have all of
your current Auto and Homeowners liability coverage with Farmers, we have
a coverage that’s perfect for you. Learn more about the Farmers
Personal Umbrella policy.
Additional Liability Limits
Coverage for Unexpected Exposures
Coverage for Legal Costs
Personal Umbrella Worksheet
Additional Liability Limits
With Farmers Personal Umbrella, you get additional liability insurance,
over the limits of your Auto, Homeowners, Recreational Vehicle or Boat
liability policy limits. Additional Coverage limits are written in increments
of $1 million, up to a maximum of $5 million.
Coverage for Unexpected Exposures
This coverage protects you against unknown or unexpected exposures not
covered by your current policies (some exclusions may apply).
Coverage for Legal Costs
The Farmers Personal Umbrella policy protects you if you are ever sued
for defamation of character, invasion of privacy, libel, slander, or other
charges which you may not have coverage for. This coverage pays for legal
costs, including representation by our attorneys, court costs, interest
on judgments and premiums on necessary bonds.
Personal Umbrella Worksheet
The chart below describes the types of eligible liability coverages and
the basic underlying coverage amounts required under your existing policies.
The Farmers Personal Umbrella Policy will pay for claims up to your personal
umbrella limits once the underlying limits on your primary policies have
been met.
| Types of Eligible Liability Coverages |
Basic Coverage Required |
| Auto Bodily Injury |
$250,000 per person |
| Auto Bodily Injury |
$500,000 per occurence |
| Auto Property Damage |
$100,000 per occurence |
| Homeowners Liability |
$300,000 |
| Recreational Vehicles and Small Boats |
$100,000 |
| Large boats, sailboats over 26 ft, power |
$300,000 |
| Libel, Slander, other legal costs |
$250 self-insured retention* |
*($1,000 in Texas)
This is a general description
of coverage and is not a policy contract. The policy itself should be
read for your coverages and exclusions.
Virginia Tam Insurance
Agency, Inc. and Farmers Insurance Group of Companies Copyright
© 2004. All other registered trademarks
are the property of their respective owners. |
