100 E Crockett Cleveland, TX 77327 281-592-1541 fax 281-593-2866

Lawsuits are common today. More and more, juries are awarding very large verdicts. If you accidentally injure someone or damage their property, you could be sued. Your homeowners, property and auto policies may provide substantial liability limits, but juries can award damages that exceed those limits. A Personal Liability Umbrella can provide coverage in increments of $1 million. It supplements your present policies to provide additional personal liability protection. The Umbrella policy goes into affect after the underlying liability limits on your homeowners or auto policy is exhausted. Therefore, your policy must have certain limits in order to qualify for an Umbrella policy. Auto Insurance Liability Limits:           w$250,000 bodily injury per person           w$500,000 bodily injury per occurrence           w$50,000 property damage per occurrence Homeowners Insurance Liability Limits: $300,000 A Personal Umbrella policy can provide the protection you need. Umbrella Liability insurance acts like an umbrella, providing extra protection on top of your Auto and Homeowners Liability policies. The policy provides extra protection in three ways:           wLiability insurance that adds to the limits of your Automobile, Homeowners and Recreational Vehicle or Boat Liability policy limits.           wCoverage for unknown or unexpected exposures that are excluded in typical Auto, Homeowners, Recreational Vehicle or Boat Liability policies.           wCoverage for the cost of your legal defense. This includes court costs, interest on judgments and premiums on necessary bonds. For more information, please contact Danners Insurance.