RLI Umbrella Insurance: Protection for Life's Surprises

RLI Umbrella Insurance adds an extra layer of protection in life’s unexpected situations.

Even responsible individuals may face lawsuits or claims that exceed their primary insurance coverage.

This type of insurance kicks in when basic plans, such as home, car, or boat insurance, reach their limits.

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RLI Umbrella Insurance

Life brings unexpected events. Responsible people may face lawsuits or claims beyond their main insurance coverage.

Umbrella insurance protects in such situations. It covers when your primary policies, like home, auto, or boat insurance, max out.

Extends Liability Coverage: It gives you more protection than your regular policies, usually from $1 million to $5 million or more.
Wide Coverage: It handles various personal liability situations, including:
- Bodily injury and property damage: If you accidentally hurt someone or damage their stuff, it’s got you covered.
- Personal injury: Covers legal costs and damages if someone sues you for stuff like saying false things or wrongly holding them.
- Dog bites: If your dog bites someone, it’s got your back.
- Watercraft liability: It covers accidents involving your boat.
Peace of Mind: Knowing you’ve got this extra protection can really ease your worries, especially if you’ve got things to protect or do things that can lead to big bills if something goes wrong.
Affordability: It’s usually not expensive, considering how much financial security it gives you.

Underlying Insurance: You usually need to have homeowners and/or auto insurance policies with specific coverage limits already to get an umbrella policy.
Driving Record: Some providers might limit who can get a policy based on their driving history, so make sure to look at their rules.
Claims History: Your past claims might affect whether you can get a policy and how much you’ll pay for it.

Get in Touch with an Insurance Agent

You can’t usually buy umbrella policies straight from insurance companies.

Talk to a licensed insurance agent to check out different options and find what suits you best.

Share Your Info

You’ll need to give info about your current insurance policies, what you own, and your claims history.

Get Quotes and Pick a Policy

Compare quotes from different insurers.

Look at what they cover, the limits, and how much it’ll cost you. Then, choose the one that works for you.

Team Up with Independent Insurance Agents: Join forces with a reliable independent agent who works with many insurers. This opens up more choices for you.
Check Financial Stability Ratings: Look at how stable the insurer is financially. Make sure they can handle paying out claims.

More Tips

Not a Replacement: Umbrella insurance doesn’t replace your main insurance. Make sure your underlying policies have enough coverage before getting umbrella insurance.
Tailored Coverage: Talk to your agent about what you need and what risks you face. This helps you get the right amount of coverage.
Regular Review: Check your umbrella policy often, especially if your assets or risks change.