An umbrella liability policy safeguards both you and your family’s existing assets and future income against legal action or verdicts.

These policies can be obtained with coverage ranging from $1 million to $5 million. Additionally, an umbrella policy can offer protection beyond what your typical home, auto, and other policies provide.

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.

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