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什么是伞式保险?什么情况下需要购买?
伞式保险在房屋、汽车或船只保单的责任限额用尽后提供额外的责任保护层,年保费通常相对低廉。
本文由AI根据下方引用的来源综合生成。
伞式保险是一种个人责任保险,可在现有房屋、汽车、租客或船只保险单的保障限额之外提供额外保护。它并不取代这些保单,而是叠加在其上,只有在承保的索赔或诉讼耗尽基础保单的责任限额后才会启动。正因如此,保险公司通常要求投保人在购买伞式保单前,其房屋和汽车保单已具备最低责任限额,例如汽车责任险25万美元、房屋责任险30万美元。
伞式保险通常以100万美元为起点分级出售,投保人往往可以用相对适中的保费——通常每年仅需几百美元——获得数百万美元的额外保障。保单通常涵盖因投保人财产上发生的事故或涉及其车辆而产生的人身伤害和财产损失索赔,还可以涵盖标准房屋或汽车保单可能不承保的某些诉讼,例如诽谤、诋毁、非法拘禁或侵犯隐私。
对于拥有大量需要保护的资产(如储蓄、投资或房屋净值)的人来说,伞式保险往往最具价值,因为超过基础保单限额的判决可能会危及这些资产。房东和出租房产业主、家中有青少年或新手司机的家庭,以及拥有游泳池、蹦床或被保险公司视为高风险犬种的房主,通常也被建议投保。在考虑购买伞式保险之前,通常需要先确认现有的房屋和汽车保单符合保险公司规定的最低基础责任限额。
Key facts
- Umbrella insurance provides extra liability coverage once the limits of an underlying home, auto, or boat policy are exhausted.
- Coverage is typically sold starting at $1 million and in additional $1 million increments.
- Insurers usually require minimum liability limits on underlying auto and home policies before selling an umbrella policy.
- Umbrella policies can cover certain claims, like libel or slander, that standard home or auto policies may exclude.
- Annual premiums are often just a few hundred dollars for $1 million of additional coverage.
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