What is Umbrella Liability?

An umbrella liability policy protects you and your family’s current assets and future earnings against a lawsuit or judgment.
An umbrella policy can be purchased from $1 million to $5 million.
An umbrella may provide coverage above your standard home, auto, etc. policies.

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 home owners 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.