Considering the litigious nature of our society, a personal umbrella may be one of the best insurance purchases an individual can make. The umbrella policy can provide you with $1 million in additional liability coverage, with higher limits available. The extra liability protection pays over and above your other policies.

Key elements of the umbrella policy:

• Fills Coverage Gaps - Some types of liability claims may not be covered by your current homeowners or auto policies. In many cases, the personal umbrella can act as your basic coverage, covering you for a claim or judgment beyond the deductible you select.
  
  
• Pays Defense Costs - Your policy will cover the cost of a legal defense if a suit is filed against you.
  
  
• Provides Personal Injury Insurance - The personal umbrella provides important protection against libel, slander, invasion of privacy, malicious prosecution, and defamation of character or discrimination suits.
  
  
• You're Protected Worldwide - You and other covered members of your household are protected no matter where a covered incident may occur.