Who Needs Umbrella Insurance? | NJM

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Who Needs Umbrella Insurance?

Umbrella insurance gives you extra liability coverage worldwide, on top of what you already have with your auto and homeowners insurance.

Causing injury to someone or damaging their property can put everything you own at risk. Umbrella insurance covers your liability for:

  • Bodily injury
  • Property damage
  • Personal injury liability

If you're wondering if you need umbrella insurance, take a look at your finances. Think of situations that could result in major out-of-pocket expenses if you're found responsible for property damage or injury. Umbrella insurance protects your assets, so it might be worth obtaining a policy.

Here are some questions you could ask yourself:

  • Do you own a pet that may become aggressive?

  • Do you own any recreational vehicles?

  • Do you own or rent more than one home or a rental property?

  • Do you have a pool or trampoline on your property?

  • Do you want additional underinsured or uninsured motorists coverage?

  • Do you want protection against personal liability losses?

If you answered yes to any of these questions, you could benefit from the extra liability insurance an umbrella policy provides.

The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.