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Extra liability above your home, auto and boat policies.
An umbrella policy adds liability coverage above your home, auto and other policies, usually in increments of $1 million or more. It pays when a serious claim exceeds your underlying limits, and some umbrellas cover claims your other policies don't, such as some libel or slander claims.
Insurers usually require minimum liability limits on your underlying policies. Umbrellas suit households with significant assets, pools, rental properties, teen drivers or boats.
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Who it’s for
Coverage
Pays above your home and auto liability limits.
Some claims your underlying policies exclude, depending on the wording.
Defence costs for covered claims.
Often applies outside Canada.
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