Umbrella Insurance

An extra layer of liability coverage for life's unexpected accidents.

Expect the Unexpected

We never know what life has in store for us. It takes only a few moments for accidents and other unexpected things to happen. While no one can see into the future, Mercury Insurance can help you prepare for it and ensure your family's assets are safe when the unexpected happens.

Umbrella insurance offers an extra layer of liability coverage* to help defend you from a financially devastating claim or lawsuit. An umbrella policy provides $1 million to $5 million in additional liability coverage on top of an existing homeowners or auto policy. While umbrella coverage is optional, it can provide increased protection in the instance of an unfortunate accident.

Driving in the rain looking through water spotted windshield.

Woman playing in backyard with her dog.

Would You Be Covered If...

Accidents happen. Are you prepared for the outcomes of the unexpected? Here are some questions to consider:

  • What would you do if your dog accidentally injured your neighbor's child?
  • What if your mail carrier tripped over a crack in your driveway, resulting in injury and disability?
  • If an overgrown tree in your yard crashed through your neighbor's roof, would you have the funds to cover repairs?
  • And what if you severely injured someone in a car crash?

No one expects to find themselves in these situations, but umbrella insurance can offer peace of mind when the unexpected occurs.

How Umbrella Policies Work

Umbrella insurance kicks in when damages from a covered claim surpass the limits in the underlying policy - everything from a lawsuit resulting from a delivery person slipping on ice in your driveway to medical care for a friend who was injured by your family pet.

Don't sacrifice your family's financial well-being to an unexpected accident. Talk to a Mercury Insurance agent about adding umbrella insurance to your policy. One conversation today could prevent a split-second accident tomorrow from changing your life unexpectedly.

*Not all coverages may be available in all states. Speak to a Mercury agent to confirm the coverages available in your state.

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