Personal Umbrella Insurance in Oklahoma City & Purcell, OK
If you’re found responsible for an accident or incident that results in someone else’s injury or property damage, your standard insurance policies may only cover up to a certain amount. An umbrella policy can step in to cover costs that exceed those limits.
What Is Personal Umbrella Insurance? 
Personal umbrella insurance is a supplemental policy designed to provide additional liability coverage beyond the limits of your existing home, auto or other personal insurance policies. This policy can help with:
- Legal fees and court costs if you’re sued for damages
- Third-party medical expenses for injuries you accidentally cause
- Other parties’ property damage for which you are at fault
- Liability claims related to rental properties, boating or recreational activities
- Coverage against claims like libel, slander or defamation
Who Can Benefit from This Policy?
This policy is especially valuable for:
- Homeowners and drivers with significant assets
- Families with teenage drivers
- Individuals who host guests or events at their home
Are There Any Policy Exclusions?
While personal umbrella insurance offers wide coverage, it does not cover your own injuries or property damage. Additionally, policies may exclude business-related liability (unless specifically included in your policy), intentional or criminal acts, liability you assume under a contract or damage caused by certain breeds of pets, as coverage for pets can differ between insurers.
How Much Coverage Do I Need?
Appropriate coverage amounts may depend on your net worth, lifestyle and risk level. Make sure it’s enough to cover your assets. Your agent can help you build a policy that fits your specific needs.
Get Started With Jordan Insurance Brokers
We work with Oklahoma City & Purcell, OK clients to review their risks and recommend options that match their budget and goals. Contact us today to learn more and get a custom quote.