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Farmers Personal Umbrella
Stop for a moment to reflect on everything you’ve worked
hard for in your life – your home, your car, your family’s
security. You may even have a recreational vehicle or a boat for
family getaways. And, if you’re reading this, you probably have
adequate Auto, Home and Life insurance coverage.
So chances are, you’ll never have to worry about exposure to
large liability losses. But what if . . . ?
In today’s society, no one is exempt from large liability losses.
Let’s face it: people are growing more willing to sue every day.
The bottom line is: It can happen to you. If it does, Farmers
can help you get back where you belong.
Even if you don’t maintain all of your current liability
insurance with Farmers,
we have a coverage that’s perfect for
you.
Supplement your existing coverage
The parents of a teenager gave him a car for his 17th birthday.
The parents had an Auto policy with a $500,000 per claim
liability limit. One day, the teenage driver crossed over a
median and collided head-on with another vehicle. Two
passengers in the other car were killed, and a third was
seriously injured. The 17-year-old driver was found negligent
and ordered to pay $1.5 million to settle the injury claims.
Fortunately, the parents carried an Umbrella. The auto policy
paid $500,000, and the Umbrella paid the remaining $1
million.
With a Personal Umbrella policy, you have additional coverage
once the limits under your primary policy are used up. Your
assets as well as your future earnings are covered.
The Farmers Personal Umbrella
Added features
Besides providing increased liability limits, a Personal
Umbrella policy gives you these additional benefits:
- You are covered against claims that may not be covered by
your underlying policies for Homeowner’s, Auto liability
and Watercraft liability, such as libel, slander or defamation
of character.
- You are covered anywhere in the world.
- You are covered for defense costs and attorney fees
associated with claims against you that are covered by your
Personal Umbrella policy, but not by your primary policies.
These expenses are paid in addition to your policy limit.
The question is, are you prepared?
When life brings the unexpected, our goal is to help get you
back where you belong as quickly as possible. A Farmers
Personal Umbrella policy can give you the security and peace
of mind you’ll need to get through the storm.
In the event of a large liability loss, would you want
maximum coverage or are you willing to assume some risk?
Let your Farmers agent show you how little an Umbrella
policy can cost.
Can you afford to be without it?
The cost for this high level of coverage is amazingly low. Your
Farmers agent can give you all the details on how the Farmers
Personal Umbrella policy can protect you and your family
against catastrophic liability judgements.
Chances are . . .
. . .you’ll never be sued for more than the limits of your
Automobile, Homeowners, Recreational Vehicle or Boat
Liability policies.
Chances are . . .
. . .you’ll never be accused of defamation of character, invasion
of privacy, libel, slander or other charges against which you
may now lack coverage.
But what if you are?
The Farmers Personal Umbrella policy can help provide you
with the liability coverage you may need. Contact your
Farmers agent for a free Farmers Friendly Review.® Your
Farmers agent has all the details on how the Farmers Personal
Umbrella policy can give you and your family extra peace of
mind.
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