Leif Olson, Car Insurance Writer
Umbrella insurance in Minnesota is liability insurance that covers claims above the limits of existing car and home liability policies. For example, if your auto liability coverage limit is $20,000 per accident, but you cause a pileup that does $300,000 in damage, umbrella insurance could cover the remaining $280,000.
Assuming you have state-minimum auto coverage, umbrella insurance in Minnesota will cover you for liability totaling more than $30,000 per person ($60,000 per accident) for bodily injuries and $10,000 for property damage. Additionally, umbrella insurance in Minnesota will cover certain claims that are not covered by the underlying insurance, like for slander and libel.
What Umbrella Insurance Covers in Minnesota
- Liability in excess of auto/home insurance policy limits
- Legal defense costs related to liability claims
- Libel and slander
- Malicious prosecution
- Psychological harm and mental anguish
- Liabilities when traveling overseas
- False arrest
To learn more, check out WalletHub’s guide to umbrella insurance.
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