Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and liability situations.

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For an HOA an umbrella will increase not only the General Liability, but also the Directors and Officers coverage.

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What does an umbrella policy not cover?

An umbrella policy gives you additional liability coverage. This can help cover the cost of injury to others or damage to their property. It does not cover damage to your own home, car or possessions.

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Is it worth having an umbrella policy?

Is umbrella insurance worth it? Umbrella insurance is worth it if the value of assets exceed insurance limits. Umbrella policies are relatively inexpensive so they are worth the investment if you have significant assets you're looking to protect from costly liability claims.