Umbrella insurance terms, explained
What these terms mean when they appear on umbrella insurance. Each definition describes the term itself, not what to do about it.
- Attachment point
- The dollar level where your umbrella policy starts paying, which sits at the top of your underlying home or auto liability limit.
- Underlying limit
- The liability limit your home or auto policy must carry before the umbrella applies. Falling below it can leave a gap.
Other policy types
These are general definitions. Your own policy is what governs your coverage, and the same term can be defined differently from one policy to the next. Read your own policy to see what these terms say in your document, cited to the page.