Homeowner Liability and Personal Umbrella

Homeowner Liability and Personal Umbrella Coverage: 2 Must-Have Policies

Children crossing the street to get to school, college students moving across the campus from one class to the next, busy residents on their way to work—these are common events you’ll see in and around North Central Ohio now that the school year is underway.

But no matter the season, there are risks that increase homeowner liability.

Your homeowners’ liability policy covers key components, but has limits on how much it will cover in the event of an accident or damage. A personal umbrella policy (PUP) kicks in when your homeowner liability policy reaches its limit.

Here’s how the two policies differ.

Homeowner’s liability

This policy covers incidents that cause injury to non-residents (or people that aren’t members of your household). Injuries may occur on or off your property, and the policy covers related costs such as:

  • Medical expenses.
  • Physical therapy.
  • Lost wages.
  • Legal costs.
  • Damage to the property of others.

homeowner liability


A personal umbrella policy acts as a protective layer of insurance for your home and personal assets. When your homeowner liability policy’s limits are reached, the PUP is activated. The most commonly purchased policy starts at $1 million; however, you can purchase a policy with more coverage.

Here are some of the benefits of the PUP:

  • It extends beyond what an auto insurance policy covers.
  • Most PUPS cover you even if you’re in another country when an incident occurs.
  • Homeowners with existing liability coverage can usually add a personal umbrella policy for a minimal cost. It’s a lot of insurance for the money. For this low cost, you get a great value for the money.

As the warmer weather continues and the fall season officially begins, keep your eye out for children playing in their yards, bike and scooter riders, and pedestrians crossing the street. Talk to the experts at Spreng-Smith Agency about extending your homeowner liability coverage with a PUP, and you’ll protect your home and your financial future. We are happy to help our North Central Ohio neighbors with fire and flood, home and auto, and health insurance.

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Spreng-Smith Insurance Agency
320 College Avenue
Ashland, Ohio 44805

Phone: 419-289-3310 
Fax: 419-281-1687

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