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.
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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