Umbrella Insurance

Umbrella Insurance

What Is Personal Umbrella Insurance?

In today’s society, lawsuits are occurring with an alarming frequency – and jury awards and out-of-court settlements routinely run into the thousands or even millions of dollars.  A personal umbrella insurance policy provides coverage for claims over and above the limits afforded by your existing insurance policies – and can protect you against excess liability judgements for loss, injury or even death caused by negligent acts.

Reasons Why You May Consider Personal Umbrella Coverage:

Umbrella coverage can be used to protect your current assets and future earnings in the event of a catastrophic loss.  Some situations in which you may want to consider purchasing umbrella insurance include:

  • Having a young driver in your household
  • Owning a personal watercraft or recreational vehicle
  • Owning a swimming pool
  • Owning property/renting property

Umbrella Insurance Available Limits:

DTRIC offers Umbrella insurance coverage with limits of $1 million and $2 million.

Personal Umbrella Insurance Requirements

DTRIC Auto Policy with the following:

  • Bodily Injury: Limits of $300,000 per person / $500,00 per occurence minimum or higher.
  • Liability: Limits of $100,000 minimum or higher

Homeowners Policy with a minimum personal liability limit of $300,000 CSL. Your homeowners policy may be through DTRIC or through another carrier, provided the carrier has been given an A.M. Best rating of B+ or higher.  The residential location insured must be located in Hawaii.

Payment Plans

DTRIC offers Umbrella coverage on a full pay plan.  This involves one payment that covers the entire premium for your policy.  For your convenience, we accept cash, checks, credit cards and check/debit cards (VISA, MasterCard, American Express, Discover Card and JCB).

Get an Umbrella Quote

DTRIC offers extremely competitive and affordable pricing on its personal umbrella coverage. To get a quote, please contact one of our knowledgeable Customer Care representatives at 92-DTRIC (923-8742) or 1-877-923-8742 toll free from the Neighbor Islands.

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