Preferred Personal Umbrella
- Up to Four Autos
- Up to Four Residences
- Up to 4 violations in the Household
- Up to 1 accident in the Household
- Driving Record Discounts abailable up to $40 per risk
Standard Personal Umbrella (admitted in most states)
- Unlimited number of Autos
- Unlimited number of recreation vehicles
- Unlimited number of boats under 26 feet
- Drivers up to age 89
Personal Umbrella for High Risk Drivers
- Up to 10 violations in the household
- Up to 5 accidents in the household
- Up to 2 drug and/or alcohol related offenses per household
- All drivers, all ages
Product Features
- Limits up to $5,000,000 available
- Excess UM/UIM limits up to $1,000,000
- True Umbrella Coverage
- World Wide Coverage
Excess Personal Umbrella
This product is designed for those applicants who have a Primary Personal Umbrella policy with another company and desire higher limits.
All risks for the Excess Personal Umbrella must be submitted to the Home Office.
Product Features
- If the risk fits our Primary Umbrella appetite, it is eligible for this product
- Coverage for high profile individuals available
- Coverage available for applicants with poor driving records including a driving under the influence (DUI)
- Coverage available for youthful operators under age 23 and operators over age 69
- Coverage available for boats up to 75 ft. in length and speeds up to 50 mph
- Risks with up to five at fault accidents per household
- Drivers with up to 5 violations
- Households with up to 10 violations among all drivers
- Risks with farm or ranch locations
- Automatically includes Personal Injury coverage when provided by underlying form