Personal Umbrella Liability Coverage 

A Personal Umbrella Liability Coverage policy (called Liability Plus in some states) provides an extra layer of liability coverage over and above what’s provided by your auto or homeowners policy.

Find my agent
Mother and son under umbrella
Dad comin home girl running to him

Do I need umbrella coverage?

You have auto and property insurance coverage to provide protection if you are liable for accident injuries or property damage. But if the unexpected happens – for example, a serious car accident or an accident on your property that results in a large judgment against you – your current policy limits may not be enough. If a claim settlement is larger than your policy limits, you are responsible for paying the rest out of pocket.

In today's society where medical expenses are high, vehicles cost much more than they used to, and lawsuits are frequent, everyone is vulnerable. Are you covered for a liability judgment that could result from:

  • Inexperienced teenage drivers?
  • Swimming pools?
  • Trampolines?
  • Cracked sidewalks?

Any of these incidents could end up in a lawsuit for hundreds of thousands – or even millions – in damages. If it's determined that you are responsible for covering others' medical bills, property damage and even possible lost wages, you could be facing large financial obligations.

Mother and toddler in kitchen

For a relatively small cost, a Personal Umbrella Liability policy can offer an extra layer of protection for the following:

  • Liability: property damage or injury to others as result of a covered loss
  • Personal injury: protection against personal claims, such as defamation of character, libel or slander that are not covered by your other policies
  • Legal defense costs: legal expenses associated with lawsuits
  • Worldwide coverage: for incidents that happen abroad
Find my agent

Featured blogs

Young girl in yellow raincoat with red umbrella

Personal umbrella policy

What is a personal umbrella insurance policy and who needs it?

Happy family walking together.

The power of bundling insurance

Bundling insurance with Horace Mann means more than just saving money — it means simplifying your life and getting the support of a provider that understands educators.

Hispanic woman making a list

Updating beneficiaries, wills and powers of attorney

Make sure you update your beneficiary designations, wills and powers of attorney.

Find my agent

Personal Umbrella Liability/Liability Plus policies are underwritten by Horace Mann Insurance Company and its affiliates. Coverages listed are only a general description of coverage and do not constitute a statement of contract. Additional terms and conditions, as described in the policy, must be met for the coverage to be provided.