{"id":151,"date":"2011-05-26T16:53:23","date_gmt":"2011-05-26T22:53:23","guid":{"rendered":"http:\/\/www.insuredco.us\/?page_id=151"},"modified":"2026-08-11T15:00:12","modified_gmt":"2026-08-11T21:00:12","slug":"personal-liability-insurance","status":"publish","type":"page","link":"https:\/\/www.kflynninsurance.com\/missouri\/insurance\/personal-insurance\/personal-liability-insurance\/","title":{"rendered":"Personal Liability Insurance"},"content":{"rendered":"\n
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<\/span>K. Flynn Insurance<\/div>\n

Personal Umbrella Policy <\/h2>\n

Personal umbrella liability insurance is designed to protect you against a catastrophic lawsuit or judgment. It expands your coverage and increases liability protection beyond the basic limits provided under your homeowners\/renters and auto policies. In today\u2019s litigation environment, $1-million, $2-million, and even $10-million judgments against individuals are not uncommon \u2014 a personal umbrella policy ensures those costs don\u2019t come out of your pocket.<\/p>\n

Liability insurance protects your assets when you or a member of your household accidentally injures another person or damages someone\u2019s property. Known as \u201cthird-party insurance,\u201d it covers legal defense in the event of a lawsuit and pays medical and\/or property claims for which you are found legally liable. An umbrella policy kicks in once your underlying homeowners or auto liability limits are exhausted.<\/p>\n<\/p><\/div>\n

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Policy Type<\/div>\n
Umbrella<\/div>\n<\/p><\/div>\n
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Coverage<\/div>\n
Excess Liability<\/div>\n<\/p><\/div>\n
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Typical Limits<\/div>\n
$1M+<\/div>\n<\/p><\/div>\n
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Agency<\/div>\n
Independent<\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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Don\u2019t wait until after an accident to find out you\u2019re underinsured.<\/div>\n

Our licensed professionals review your current coverage and find umbrella protection that truly fits \u2014 competitively priced.<\/p>\n<\/p><\/div>\n

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<\/i>QUOTE ME NOW<\/a><\/p>\r\n
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Coverage Guide<\/div>\n

Understanding Personal Liability Insurance<\/h3>\n<\/p><\/div>\n
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Personal liability coverage protects your finances if you are found responsible for injuring someone or damaging their property. It is included in homeowners and auto policies up to a limit, and an umbrella policy adds protection above those limits.<\/p>\n

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Liability Within Your Home and Auto Policies<\/h4>\n

Your homeowners policy includes personal liability for incidents at your home, and your auto policy includes liability for accidents you cause while driving. Both pay for covered judgments and legal defense up to your selected limits.<\/p>\n<\/p><\/div>\n

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Umbrella Liability Coverage<\/h4>\n

An umbrella policy provides an extra layer of liability coverage, typically in million-dollar increments, that kicks in once the limits on your home or auto policy are exhausted. It is an affordable way to protect your savings and future income.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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Questions<\/div>\n

Personal Liability Insurance FAQ<\/h3>\n<\/p><\/div>\n
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What is personal liability insurance?<\/h4>\n

It covers your legal responsibility for bodily injury or property damage you cause to others, including legal defense costs, up to your policy limits.<\/p>\n<\/p><\/div>\n

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Doesn’t my homeowners policy already include liability?<\/h4>\n

Yes, but only up to a set limit. If a claim exceeds that limit, you could be responsible for the difference, which is where higher limits or an umbrella policy help.<\/p>\n<\/p><\/div>\n

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What is an umbrella policy?<\/h4>\n

An umbrella policy adds liability coverage above the limits of your home and auto policies, usually in increments of one million dollars, to protect your assets from a large claim.<\/p>\n<\/p><\/div>\n

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How much liability coverage do I need?<\/h4>\n

A good rule of thumb is enough to protect your assets and future income. We can help you weigh your situation and choose appropriate limits.<\/p>\n<\/p><\/div>\n

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Why work with an independent agent?<\/h4>\n

As an independent agency, K. Flynn Insurance represents many carriers, so we can coordinate your home, auto, and umbrella coverage and compare options, with personal, local service.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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Coverages Available<\/div>\n

What a policy can include<\/h3>\n<\/p><\/div>\n
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Personal Umbrella & Liability Insurance \u2014 Coverages Can Include:<\/p>\n

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  • <\/circle><\/path><\/svg> Bodily injury & property damage liability<\/li>\n
  • <\/circle><\/path><\/svg> Excess coverage above auto & home limits<\/li>\n
  • <\/circle><\/path><\/svg> Legal defense costs & attorney fees<\/li>\n
  • <\/circle><\/path><\/svg> Personal injury (slander, libel, false arrest)<\/li>\n
  • <\/circle><\/path><\/svg> Liability on or off your property<\/li>\n
  • <\/circle><\/path><\/svg> Auto-related excess liability<\/li>\n
  • <\/circle><\/path><\/svg> Protection for household members<\/li>\n
  • <\/circle><\/path><\/svg> Worldwide coverage<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n
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    A good personal liability policy can definitely help protect both your family and your future. Accidents don\u2019t happen on a schedule \u2014 once you\u2019re the target of a liability suit, it\u2019s too late to increase your coverage. K. Flynn Insurance in Troy, Missouri can review your situation and recommend the right umbrella limits. Contact us today.<\/strong><\/p>\n<\/p><\/div>\n<\/section>\n