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Most home insurance policies include $100,000 to $300,000 in personal liability coverage, but an umbrella could provide extra coverage in scenarios like pool injuries.
Umbrella insurance extends your liability coverage. Here’s how to buy it.
1987 – IDS Property Casualty Insurance Company begins selling auto, home and personal liability umbrella insurance in Wisconsin. [6] 1988 – The company expands its coverage area to include Minnesota, Indiana, Iowa and Ohio. [6] 1999 – The company is actively selling insurance products in 35 states.
Excess insurance is similar to umbrella insurance in that it pays after an underlying primary policy is exhausted. The critical difference is that excess policies are normally "follow form" policies that conform exactly to the coverage of the underlying policy, except that they add on their own excess limit which is then stacked on top of the primary policy's limit.
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NJM Insurance Group is an American mutual insurance group of companies, offering personal auto, commercial auto, workers' compensation, homeowners, condo, renters, and umbrella insurance. It is headquartered in the West Trenton section of Ewing Township, New Jersey , and serves markets in Connecticut , Delaware , Maryland , New Jersey , New ...
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