Personal Umbrella Insurance in North Carolina

More Protection Beyond Your Home and Auto Policies, From Our Durham Agency

Your home and auto policies include liability coverage, but each one has limits. A personal umbrella policy adds another layer of protection that can help when a covered claim goes beyond those limits. Alpha Risk Management Services in Durham helps individuals and families understand how an umbrella fits with the coverage they already have.

How a Personal Umbrella Works

An umbrella sits above your auto insurance and home insurance policies. If someone is hurt in a car accident you caused or injured on your property, your underlying policy pays first. Once those limits are reached, the umbrella can help cover the rest, up to its own limit. Many umbrella policies also cover certain claims your other policies may not, such as some types of libel or slander.

Everyday Situations Where It Can Help

• A guest is injured at a gathering in your home.
• A teen driver in your household causes an accident.
• Your dog bites a neighbor.
• Someone claims a social media post damaged their reputation.

Who Should Consider an Umbrella?

Umbrella coverage is worth a look for homeowners, families with teen drivers, people who own rental property, and anyone who volunteers on a board or coaches youth sports. Insurers usually require you to carry certain liability limits on your home and auto policies before adding an umbrella, and we can help you review those details. Business owners can also learn about commercial umbrella insurance.