{"id":151,"date":"2011-05-26T16:53:23","date_gmt":"2011-05-26T22:53:23","guid":{"rendered":"https:\/\/www.byrneagency.com\/natchez-ms\/?page_id=151"},"modified":"2014-04-14T11:04:04","modified_gmt":"2014-04-14T17:04:04","slug":"personal-liability-insurance","status":"publish","type":"page","link":"https:\/\/www.byrneagency.com\/natchez-ms\/insurance\/personal-insurance\/personal-liability-insurance\/","title":{"rendered":"Personal Liability Insurance"},"content":{"rendered":"<link rel=\"stylesheet\" href=\"https:\/\/www.agencyinfo.net\/__ivai\/__ivai_page_styles.css\">\n<section class=\"ivai2\">\n<p>  <!-- \u2500\u2500 Header \u2500\u2500 --><\/p>\n<div data-a=\"1\">\n<div class=\"ivai2-eyebrow\">\n      <span class=\"ivai2-eyebrow-rule\"><\/span>Byrne Insurance Agency\n    <\/div>\n<h2 class=\"ivai2-headline\">Personal Umbrella Policy Throughout Mississippi<\/h2>\n<div class=\"ivai2-headline-rule\"><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 Intro: text full width (no image) \u2500\u2500 --><\/p>\n<div data-a=\"2\">\n<p class=\"ivai2-p\">Personal umbrella liability insurance is designed to protect you against a catastrophic lawsuit or judgment. It expands your coverage and increases liability protection beyond the basic limits provided under your homeowners\/renters and auto policies. In today&rsquo;s litigation environment, $1-million, $2-million, and even $10-million judgments against individuals are not uncommon &mdash; a personal umbrella policy ensures those costs don&rsquo;t come out of your pocket.<\/p>\n<p class=\"ivai2-p\">Liability insurance protects your assets when you or a member of your household accidentally injures another person or damages someone&rsquo;s property. Known as &ldquo;third-party insurance,&rdquo; it covers legal defense in the event of a lawsuit and pays medical and\/or property claims for which you are found legally liable. An umbrella policy kicks in once your underlying homeowners or auto liability limits are exhausted.<\/p>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 Metrics strip \u2500\u2500 --><\/p>\n<div class=\"ivai2-metrics\" data-a=\"3\">\n<div class=\"ivai2-metric\">\n<div class=\"ivai2-metric-bar\"><\/div>\n<div class=\"ivai2-metric-lbl\">Policy Type<\/div>\n<div class=\"ivai2-metric-val\">Umbrella<\/div>\n<\/p><\/div>\n<div class=\"ivai2-metric\">\n<div class=\"ivai2-metric-bar\"><\/div>\n<div class=\"ivai2-metric-lbl\">Coverage<\/div>\n<div class=\"ivai2-metric-val\">Excess Liability<\/div>\n<\/p><\/div>\n<div class=\"ivai2-metric\">\n<div class=\"ivai2-metric-bar\"><\/div>\n<div class=\"ivai2-metric-lbl\">Typical Limits<\/div>\n<div class=\"ivai2-metric-val\">$1M+<\/div>\n<\/p><\/div>\n<div class=\"ivai2-metric\">\n<div class=\"ivai2-metric-bar\"><\/div>\n<div class=\"ivai2-metric-lbl\">Agency<\/div>\n<div class=\"ivai2-metric-val\">Independent<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 CTA band \u2500\u2500 --><\/p>\n<div class=\"ivai2-cta\" data-a=\"4\">\n<div class=\"ivai2-cta-content\">\n<div class=\"ivai2-cta-heading\">Don&rsquo;t wait until after an accident to find out you&rsquo;re underinsured.<\/div>\n<p class=\"ivai2-cta-sub\">Our licensed professionals review your current coverage and find umbrella protection that truly fits &mdash; competitively priced.<\/p>\n<\/p><\/div>\n<div class=\"ivai2-cta-action\">\n      <br style=\"height:1em\" \/>\r\n<p><a class=\"longquoteserviceformbuttons\" href=\"https:\/\/www.byrneagency.com\/natchez-ms\/online-quotes\/\"><i class=\"fa fa-shopping-cart fa-1x\" style=\"margin: 0 14px 0 0;\"><\/i>QUOTE ME NOW<\/a><\/p>\r\n<br style=\"height:1em\" \/>\n    <\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 Coverage Guide (AI\/GEO) \u2500\u2500 --><\/p>\n<div data-a=\"5\">\n<div class=\"ivai2-section-tag\">Understanding Personal Liability Insurance<\/div>\n<p class=\"ivai2-p\">Personal liability coverage protects your finances if you are found responsible for injuring someone or damaging their property. It is included in homeowners and auto policies up to a limit, and an umbrella policy adds protection above those limits.<\/p>\n<h3 class=\"ivai2-cov-heading\">Liability Within Your Home and Auto Policies<\/h3>\n<p class=\"ivai2-p\">Your homeowners policy includes personal liability for incidents at your home, and your auto policy includes liability for accidents you cause while driving. Both pay for covered judgments and legal defense up to your selected limits.<\/p>\n<h3 class=\"ivai2-cov-heading\">Umbrella Liability Coverage<\/h3>\n<p class=\"ivai2-p\">An umbrella policy provides an extra layer of liability coverage, typically in million-dollar increments, that kicks in once the limits on your home or auto policy are exhausted. It is an affordable way to protect your savings and future income.<\/p>\n<div class=\"ivai2-section-tag\">Personal Liability Insurance FAQ<\/div>\n<h3 class=\"ivai2-cov-heading\">What is personal liability insurance?<\/h3>\n<p class=\"ivai2-p\">It covers your legal responsibility for bodily injury or property damage you cause to others, including legal defense costs, up to your policy limits.<\/p>\n<h3 class=\"ivai2-cov-heading\">Doesn&#8217;t my homeowners policy already include liability?<\/h3>\n<p class=\"ivai2-p\">Yes, but only up to a set limit. If a claim exceeds that limit, you could be responsible for the difference, which is where higher limits or an umbrella policy help.<\/p>\n<h3 class=\"ivai2-cov-heading\">What is an umbrella policy?<\/h3>\n<p class=\"ivai2-p\">An umbrella policy adds liability coverage above the limits of your home and auto policies, usually in increments of one million dollars, to protect your assets from a large claim.<\/p>\n<h3 class=\"ivai2-cov-heading\">How much liability coverage do I need?<\/h3>\n<p class=\"ivai2-p\">A good rule of thumb is enough to protect your assets and future income. We can help you weigh your situation and choose appropriate limits.<\/p>\n<h3 class=\"ivai2-cov-heading\">Why work with an independent agent?<\/h3>\n<p class=\"ivai2-p\">As an independent agency, Byrne Insurance Agency represents many carriers, so we can coordinate your home, auto, and umbrella coverage and compare options, with personal, local service.<\/p>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 Coverage section \u2500\u2500 --><\/p>\n<div class=\"ivai2-section-tag\" data-a=\"5\">Coverages Available<\/div>\n<div data-a=\"6\">\n<h3 class=\"ivai2-cov-heading\">Personal Umbrella &amp; Liability Insurance Throughout Mississippi &mdash; Coverages Can Include:<\/h3>\n<ul class=\"ivai2-coverage\" style=\"padding:0;list-style:none;\">\n<li class=\"ivai2-cov-item\" style=\"list-style:none;\">\n        <svg class=\"ivai2-cov-chk\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"#3d5a80\" stroke-width=\"1.5\"\/><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"#3d5a80\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><br \/>\n        Bodily injury &amp; property damage liability\n      <\/li>\n<li class=\"ivai2-cov-item\" style=\"list-style:none;\">\n        <svg class=\"ivai2-cov-chk\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"#3d5a80\" stroke-width=\"1.5\"\/><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"#3d5a80\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><br \/>\n        Excess coverage above auto &amp; home limits\n      <\/li>\n<li class=\"ivai2-cov-item\" style=\"list-style:none;\">\n        <svg class=\"ivai2-cov-chk\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"#3d5a80\" stroke-width=\"1.5\"\/><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"#3d5a80\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><br \/>\n        Legal defense costs &amp; attorney fees\n      <\/li>\n<li class=\"ivai2-cov-item\" style=\"list-style:none;\">\n        <svg class=\"ivai2-cov-chk\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"#3d5a80\" stroke-width=\"1.5\"\/><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"#3d5a80\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><br \/>\n        Personal injury (slander, libel, false arrest)\n      <\/li>\n<li class=\"ivai2-cov-item\" style=\"list-style:none;\">\n        <svg class=\"ivai2-cov-chk\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"#3d5a80\" stroke-width=\"1.5\"\/><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"#3d5a80\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><br \/>\n        Liability on or off your property\n      <\/li>\n<li class=\"ivai2-cov-item\" style=\"list-style:none;\">\n        <svg class=\"ivai2-cov-chk\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"#3d5a80\" stroke-width=\"1.5\"\/><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"#3d5a80\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><br \/>\n        Auto-related excess liability\n      <\/li>\n<li class=\"ivai2-cov-item\" style=\"list-style:none;\">\n        <svg class=\"ivai2-cov-chk\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"#3d5a80\" stroke-width=\"1.5\"\/><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"#3d5a80\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><br \/>\n        Protection for household members\n      <\/li>\n<li class=\"ivai2-cov-item\" style=\"list-style:none;\">\n        <svg class=\"ivai2-cov-chk\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"#3d5a80\" stroke-width=\"1.5\"\/><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"#3d5a80\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><br \/>\n        Worldwide coverage\n      <\/li>\n<\/ul><\/div>\n<p>  <!-- \u2500\u2500 Amber callout \u2500\u2500 --><\/p>\n<div class=\"ivai2-callout ivai2-callout-amber\" data-a=\"7\">\n<p>A good personal liability policy can definitely help protect both your family and your future. Accidents don&rsquo;t happen on a schedule &mdash; once you&rsquo;re the target of a liability suit, it&rsquo;s too late to increase your coverage. Byrne Insurance Agency in , Mississippi can review your situation and recommend the right umbrella limits. <strong>Contact us today.<\/strong><\/p>\n<\/p><\/div>\n<\/section>\n<p><script defer src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v4513226cdae34746b4dedf0b4dfa099e1781791509496\" integrity=\"sha512-ZE9pZaUXND66v380QUtch\/5sE9tPFh2zg45pR2PB0CVkCtOREv2AJKkSidISWkysEuQ0EH8faUU5du78bx87UQ==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1,\"server_timing\":{\"name\":{\"cfCacheStatus\":true,\"cfEdge\":true,\"cfExtPri\":true,\"cfL4\":true,\"cfOrigin\":true,\"cfSpeedBrain\":true},\"location_startswith\":null}}' crossorigin=\"anonymous\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Byrne Insurance Agency Personal Umbrella Policy Throughout Mississippi Personal umbrella liability insurance is designed to protect you against a catastrophic lawsuit or judgment. It expands your coverage and increases liability protection beyond the basic limits provided under your homeowners\/renters and auto policies. In today&rsquo;s litigation environment, $1-million, $2-million, and even $10-million judgments against individuals are [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":143,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"page-FullWidth.php","meta":{"_acf_changed":false,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","omw_enable_modal_window":"enable","footnotes":""},"class_list":["post-151","page","type-page","status-publish","hentry","entry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.byrneagency.com\/natchez-ms\/wp-json\/wp\/v2\/pages\/151","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.byrneagency.com\/natchez-ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.byrneagency.com\/natchez-ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.byrneagency.com\/natchez-ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.byrneagency.com\/natchez-ms\/wp-json\/wp\/v2\/comments?post=151"}],"version-history":[{"count":0,"href":"https:\/\/www.byrneagency.com\/natchez-ms\/wp-json\/wp\/v2\/pages\/151\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.byrneagency.com\/natchez-ms\/wp-json\/wp\/v2\/pages\/143"}],"wp:attachment":[{"href":"https:\/\/www.byrneagency.com\/natchez-ms\/wp-json\/wp\/v2\/media?parent=151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}