Not everyone needs a personal umbrella policy.So how do you know if you do? It depends on what you need to help protect.Start by looking at your assets.What do you have to lose?Your savings, a boat? These things, and more, could be put at risk in a loss situation.A Personal Umbrella Policy can help you protect all of them.
Certain other factors in your life may also create a higher need for a PUP.If you have young drivers on your auto policy, for example, or if you volunteer within the community, you could bear some risk of liability.
An Allstate PUP works with your existing coverage, providing additional protection and benefits such as:
- If you’re sued over an incident covered under your personal umbrella policy, Allstate will retain and pay for an attorney to represent you in court up to policy limits
- Your coverage goes with you everywhere, including outside the U.S.
- Reimbursement for lost wages.You will be reimbursed for the wages lost for your absence from work for a court appearance, up to policy limits.