Minimize Your Financial Risk

A Personal Liability Umbrella Can Help Protect Your Future

Experiencing a major insurance claim or lawsuit could lead to personal financial loss. Even though your underlying policies such as auto, homeowners, or boatowners may provide liability coverage, they may not be enough. A State Farm® Personal Liability Umbrella Policy (PLUP) may provide the additional liability coverage you need to protect your financial future.

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Personal Liability Umbrella Policies may provide:

  • Additional liability protection at a reasonable price
  • Protection against personal claims, such as defamation of character, libel, or slander, that may not be covered by your other policies
  • Minimum coverage of $1 million, which can be increased in $1 million increments

How can a Personal Liability Umbrella Policy help protect you? 1


While driving, you change lanes and cause an accident, which results in multiple injuries to passengers of another vehicle.


While cooking, you leave your stove unattended. In addition to damaging your property, the fire also damages your neighbor's property and injures your neighbors. As a result, you may have to pay for any repairs to your neighbor's dwelling in addition to any injury claims. Or, consider that while on your property, a guest slips on your sidewalk or falls from your trampoline. The injured person could file a claim against you.


While operating your boat, you hit a water skier and cause serious injury.


1This document contains only a general description of the State Farm Personal Liability Umbrella Policy (PLUP) coverage and is not a statement of contract. All coverages are subject to all policy provisions and minimum underlying insurance requirements. For further information, please see or call your State Farm agent.

State Farm Fire and Casualty Company
Bloomington, IL
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL