Personal Umbrella

Austin Mutual offers worldwide Personal Umbrella Liability Coverage that provides protection in excess of primary personal liability and personal auto liability policies.

The present day lifestyle involves greater participation in community activities, meeting more people and more travel than in the past, which can result in greater exposure to risks of loss.  One major lawsuit could wipe out your assets overnight.  To provide a safeguard for this situation, personal umbrella liability is available.

Liability Coverage

We will pay for damages for which an insured becomes legally liable due to bodily injury, personal injury, or property damage.  Damages include pre-judgment interest awarded against the insured.  Liability must arise from an occurrence covered by the policy and coverage applies only to damages in excess of the minimum retained limit.

Defense Coverage

The company has the right to defend, investigate and settle any claim or suit seeking damages covered by the policy. The company’s duty to defend ends when it has paid claims in an amount equal to the limit of liability.

Limits of Liability

$1,000,000 per occurrence, Uninsured / Underinsured Motorist Coverage - Optional
$2,000,000 per occurrence, Uninsured / Underinsured Motorist Coverage - Optional
$3,000,000 per occurrence
$4,000,000 per occurrence
$5,000,000 per occurrence

Austin Mutual Homeowner and Personal Auto Insurance Policies are required.

Austin provides flexible payment plans and prompt claim service with a personal touch.