Umbrella Liability
Q: What is an umbrella liability policy?
A: An umbrella liability policy can provide an additional layer of liability coverage above your underlying policies and may help protect your assets and future income from costly lawsuits or legal judgments. It provides additional coverage above and beyond your standard home, auto, and other liability policies, with limits typically ranging from $1 million to $5 million.
Q: Can I get an umbrella policy from FCIS if my home and auto are with another company?
A: Yes. FCIS offers a stand-alone umbrella policy, so you can get coverage even if your home and auto insurance are with another carrier.
Q: Who is covered under a personal umbrella policy?
A: Coverage applies to you, your spouse, and family members (relatives) living in your household who are in your care — or in the care of a relative who lives with you. Always check your specific policy for details.
Q: Do I still need home and auto insurance if I have an umbrella policy?
A: Yes. A personal umbrella policy is not a replacement for home or auto insurance. It works in excess of the liability limits on your underlying policies.
Q: Why should I have an umbrella policy?
A: An umbrella policy offers additional liability coverage that may help cover legal fees, settlements, and verdicts above the limits of your underlying insurance policies.
Q: How do I get a personal umbrella insurance quote from FCIS?
A: Call FCIS today to speak directly with an agent or fill out the form on this page for a free online umbrella policy quote with coverage options based on your needs.
frequently asked umbrella liability questions
Q: If I have my home and auto insured with another carrier, can I still get umbrella coverage from FCIS insurance?
A: Yes, Stand-alone policy is available.
Q: Who is covered under this policy?
A: You, your spouse and family members (relatives) living in the same household who are in your care or the care of a relative living with you. Refer to your specific policy to see who may be covered.
Q: Do I still need auto and homeowners insurance if I have an umbrella policy?
A: Yes. Personal umbrella is NOT a substitute policy. Personal umbrella is in excess to the limits of liability coverage maintained in your underlying policies.
