You may have adequate Homeowner’s, Auto and Life insurance.

However, WHAT IF the unexpected disaster happens?!

Honest, hard working and well intentioned good people are becoming more and more subject to lawsuits…we have become a “sue happy” nation! As a result, unfortunately, NO ONE is exempt from large liability losses or lawsuits. It can happen to any of us.

If it does, Farmers can help you get back where you belong.

With a personal umbrella, you have additional coverage once the limits under your primary policy are used up. Therefore, your assets as well as your future earnings are protected.

For example:

The parents of a young teenager gave him a car for his 17th birthday. The parents had an Auto policy with a $500,000 per claim liability limit. One day, the teenage driver crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed , and a 3rd was seriously injured. The 17-year-old driver was found negligent and ordered to pay $1.4 million to settle the injury claims. Fortunately, the parents carried an UMBRELLA! The auto policy paid $500,000, and the Umbrella paid the remaining $900,000.

Additional Features!

You are covered against claims that may not be covered by your Homeowner’s, Automobile policies, such as libel, slander or defamation of character.

You are covered anywhere in the world!

You are covered for defense costs and attorney fees associated with claims against you that are covered by your Personal Umbrella policy, but not by your primary Homeowner’s and Automobile policies. These expenses are paid in addition to your policy limit.

Verdicts:

At a homeowner’s property, a railing on the balcony gave way and a guest fell to the ground below:

Judy Verdict: $880,000.00
A driver hit a courier truck, and the courier was injured while getting out of the truck to make a delivery. However, the courier himself was not hit.

Jury Verdict: $1,274,000.00

Click here to submit information needed to begin an Umbrella proposal.