Leif Olson, Car Insurance Writer
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No, umbrella insurance does not cover damage to your own property. This is because umbrella insurance only provides coverage beyond the limits of your other liability policies, and damage to your own property is not covered by liability insurance. Further, if there are things specifically excluded from your other liability policies, umbrella insurance will not cover them, either.
Other Situations Umbrella Insurance Does Not Cover
- Your own injuries or property damage
- Damage that you cause while committing a criminal act
- Property damage or injuries that you cause while performing business or professional activities
- Any liability that you assumed through a contract prior to the incident
- Property damage or injuries caused by dog breeds or recreational vehicles that are specifically excluded from your policy
To learn more, check out WalletHub’s guide to umbrella insurance.
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