Personal Umbrella


Arizona Personal Umbrella InsuranceExcess Liability

The world we live in is full of uncertainties and you should be always be prepared for the worst. Accidents, injuries, and lawsuits can become very costly and threaten the lifestyle you have worked for.  An umbrella policy, also known as excess liability, is there to protect your hard earned assets from legal liability claims such as bodily injury, property damage, and personal injury. This type of coverage doesn’t kick in until your underlying policies have exhausted there limits and can be added in excess of $1 million up to $10 million depending on your coverage needs.

This policy isn’t restricted to just wealthy individuals, in fact it is made very affordable to everyone. For more information regarding this product please contact us and see if adding an umbrella policy is right for you.



Underlying Policy Requirements

In order to qualify for an umbrella policy you must meet the underlying Arizona liability limit requirements outlined below.

$1 Million / $2 Million

Homeowner’s / Renter’s –
Personal Liability – $500,000

Landlord
Premises Liability – $500,000

Auto / Motorcycle / ATV – 
Bodily Injury -$250,000 per person/
$500,000 per accident
Property Damage – $100,000 per accident
Or $300,000 Combined Single Limit (CSL)

Boat/Watercraft –
Bodily Injury -$250,000 per person/
$500,000 per accident
Property Damage – $100,000 per accident
Or $300,000 Combined Single Limit (CSL)

$2 Million & Up

Homeowner’s / Renter’s –
Personal Liability – $500,000

Landlord
Premises Liability – $500,000

Auto / Motorcycle / ATV – 
Bodily Injury -$500,000 per person/
$500,000 per accident
Property Damage – $100,000 per accident
Or $500,000 Combined Single Limit (CSL)

Boat/Watercraft –
Bodily Injury -$500,000 per person/
$500,000 per accident
Property Damage – $100,000 per accident
Or $500,000 Combined Single Limit (CSL)

Casualty Insurance Terms
Property Insurance Terms