How much umbrella insurance coverage do I need?

There's no set amount of umbrella coverage you should have as everyone's different. A good place to start is figuring out what property you have and its value. For example, you could list out your HouseVehiclesJewelryBaseball card, stamp, or other collection, etc.

Should renters get an umbrella insurance policy?

Whether you have a home or not, you may benefit from umbrella insurance. Like with homeowners, a good place to start is figuring out what property you have and its value.

How personal liability insurance works

Personal liability insurance is easier to explain with an example. Let's say you have an auto and umbrella insurance policy with Liberty Mutual. You have limits of Auto Liability: $250,000 per person and a total of $500,000 per accidentUmbrella: $1 million So instead of only having a liability limit of $250,000 per person, with an umbrella policy you'd have $1.25 million. Broken down, that's $250,000 auto liability+ $1 million umbrella= $1.25 million of liability coverage

What does umbrella liability insurance cover?

Umbrella liability insurance covers Extra liability coverage over the limits of your auto, home, watercraft, or RV policyWorldwide coverage Rental properties you ownPersonal injury if you're sued for Libel or slanderFalse arrestMalicious prosecutionViolation of right of privacyWrongful evictionWrongful entryPayment of defense costs, attorney fees, and other expenses associated with a lawsuit (defense cost coverage is in addition to policy limits)

Do I need umbrella insurance?

Umbrella insurance is right for anyone looking to protect their personal and financial well-being. A slip and fall on your property, a bad car accident, or even a defamation lawsuit are all things that can jeopardize your assets.

How to compare umbrella insurance companies

When comparing umbrella insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best umbrella insurance or the cheapest umbrella insurance.

How much is umbrella insurance?

Generally, the less risk you have the lower your price may be. It all depends on your needs. Keep in mind that you can lower the cost of your premium by increasing your deductible if you prefer.

What do I need to start an umbrella quote?

Get a quote in minutes. Here's what you'll need: Basic information about your vehicles and propertyBasic information about you, any co-owners, and occupantsOwnership or mortgage status

What do I need to know about insuring an electric vehicle?

In general, the process for insuring an EV is similar to insuring a gas-powered car. Today, more brands of electric cars even offer their own unique insurance options for EVs or in partnership with an established insurance company.

Does insurance on electric cars cost more than gas-powered cars?

It depends. Insurance rates can be more costly for electric vehicles because they can be more expensive to repair due to Fewer repair shops that work on them Parts can cost more High labor costs to repair

Are the costs associated with an electric car or hybrid vehicle worth the benefits?

The initial investment in an electric car can be offset by things like Fuel cost savings A number of tax credits Rebates and other incentives

Do I need any special kind of car insurance for my electric car?

When you're ready to pick insurance for your electric car, you'll be offered the same type of auto insurance coverage options as you would for a gas-powered like Liability Comprehensive Coverage Collision Coverage Medical Payments (MedPay) Personal Injury Protection (PIP) Uninsured/Underinsured Motortist Coverage However, because EVs and hybrid cars typically have a higher value than gas-only vehicles and can cost more to replace and repair (and can take longer to repair), you may want to consider additional coverages like New Car Replacement Original Car Replacement Gap insurance Rental Car Reimbursement

Does having an electric powered vehicle impact my homeowners insurance?

Owning an electric vehicle or hybrid car doesn't neccessarily impact your homeowners, condo, or renters insurance. In fact, adding another vehicle may get you a Multi-Vehicle Discount on your auto policy.

Insurance resources
Pet Insurance Resources
What does pet insurance cover?

What does pet insurance cover?

Have you been considering pet insurance for your best friend? Here's what you need to know about what's covered under a pet insurance policy.

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Not all pet insurance is the same. Before picking coverage, it's important to understand the 3 main types of pet insurance policies. Keep in mind that depending on your pet insurance company, they may use other names for their coverage options, or group what is covered differently.

Accident Coverage

This type of policy provides coverage for accidental injuries to your pet. Some common examples of may include

Foreign object ingestion
Injuries caused by a car accident
Bite wounds
Broken bones
Torn ligaments

Accident and Illness Coverage

In addition to Accident Coverage, this type of policy also covers expenses related to a covered illness. Common examples can include

Allergies
Growth or tumor removal
Cancer treatments
Upper respiratory infections
Urinary tract infections
Gastroenteritis

Accident, Illness, and Wellness Coverage

This type of policy includes coverage for covered accidents and illnesses, as well as health and wellness checks and treatments. Common examples can include

Wellness exams
Vaccinations
Flea, tick, and heartworm prevention
Bloodwork
Spay/Neuter surgery
Microchipping
Fecal exams

Most pet insurance policies include specific exclusions for what they don't cover. Typical exclusions include

Pre-existing conditions
Pets that are over a certain age
Preventable diseases
Behavioral problems
Elective procedures (ex., ear and tail cropping)
Pregnancy and breeding-related issues
Pet supplies (ex., prescription diet foods and training tools)
Breeds of animals commonly predisposed to certain health conditions

Other considerations when selecting a pet insurance policy include

Whether or not you can choose your own veterinarian
Specific coverage limits and deductibles
Reimbursement percentages
The initial waiting period until coverage starts

If your home and auto insurer offers pet insurance, be sure to check and see if you may be eligible for a Multi-Policy Discount. This can help to lower the cost of your pet insurance policy and makes it easy to manage all your insurance with one company.

Start your customized pet insurance quote

Or get a pet insurance quote

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Please note: Information presented on this page is intended to be general information about insurance and is not specific to Liberty Mutual policies. Policies and coverages vary by state and insurer. Contact your insurance company to understand specifics regarding your policy and coverages.

What does pet insurance cover?

Accident Coverage

Accident and Illness Coverage

Accident, Illness, and Wellness Coverage

Other considerations when selecting a pet insurance policy include

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