Common Umbrella Insurance Exclusions

Umbrella insurance is meant to protect you when the underlying liability coverage has been exhausted. Suppose your pet has bitten someone, and the medical costs exceed your home liability coverage. In such instances, it’s when umbrella insurance can save the day. However, like other insurance policies, your umbrella insurance policy isn’t entirely flawless. It has exclusions and limitations you need to know about. Neff & Associates Insurance Services explains areas not likely to be covered by your umbrella insurance policy:

• Own injuries and damage: Your umbrella insurance covers others and not damage to your property. For instance, if you cause a car accident, your umbrella insurance will cover property damage and bodily injury you cause to others. However, you will have to rely on your car insurance for your injuries and damage to your vehicle.
• Coverage to be taken care of by the underlying insurance: Umbrella insurance only takes over after the conventional liability coverage limit has been exhausted. With that in mind, umbrella insurance won’t cover liabilities that can comfortably be handled by your commercial, home, or auto insurance.
• Intentional/criminal acts: Umbrella insurance won’t cover you if you intentionally injure someone or damage other people’s property. Similarly, umbrella insurance won’t cover you when liability claims arising from your criminal acts.
• Other exclusions: Umbrella insurance won’t cover you if you cause damage or injury using a recreational vehicle or dog breed excluded in your policy.

Just like knowing what your umbrella insurance covers, it’s equally important to learn about the exclusions. This way, you won’t be met by surprises when filing a claim. Want to learn more about umbrella insurance? Please get in touch with Neff & Associates Insurance Services for more information. Also, you can pass by our Pismo Beach, CA office to chat with one of our agents.