Personal Liability Insurance
Protect your assets with extra liability coverage, whether you own a home, rent, or simply want added peace of mind.
What Does Personal Liability Insurance Cover?
Personal liability insurance, often called an umbrella policy, provides an extra layer of protection beyond the liability limits on your home, auto, or renters policy. If you're found responsible for an accident, injury, or property damage that exceeds your underlying coverage, this policy steps in to help cover the difference. As an independent agency, we compare options across multiple carriers to find the right amount of protection for your assets and lifestyle.
Coverage typically includes:
- Excess liability protection — extends coverage beyond the limits of your home, auto, or renters policy
- Bodily injury liability — covers medical costs and legal fees if you're responsible for injuring someone
- Property damage liability — covers the cost of damage you cause to someone else's property
- Legal defense costs — pays for attorney fees and court costs, even if a claim is ultimately found to be without merit
- Worldwide coverage — many policies extend protection beyond the U.S., not just at home
- Coverage for additional exposures — protection for situations not always covered by standard policies, like libel, slander, or false arrest
Why Choose an Independent Insurance Agency in Iowa?
Unlike captive agents who represent one company, Skogman Insurance is an independent agency — which means we work for you, not the carrier. We shop your coverage across multiple top-rated insurance companies to make sure you're getting the best protection at the most competitive rate, whether you're insuring your belongings or your investment property.
Since 1965, we've served Cedar Rapids, Iowa City, Coralville, and communities across Eastern Iowa. We work with renters looking for affordable, essential coverage and landlords managing single rentals or growing portfolios — and we tailor each policy accordingly.
Who Needs Personal Liability Insurance?
A single serious accident or lawsuit can quickly exceed the liability limits of a standard home or auto policy, putting your savings, home, and future earnings at risk. Personal liability coverage is worth considering if you:
- Own a home, rental property, or other significant assets
- Have a swimming pool, trampoline, or dog breed that may increase liability risk
- Frequently host guests or events at your home
- Serve on a board, coach a youth sports team, or have other public-facing responsibilities
- Want added peace of mind beyond your existing home and auto coverage
Personal Liability — Iowa-Specific Considerations
Iowa property owners, landlords, and active community members face liability exposures that make umbrella coverage worth a close look. From rural property risks to everyday accidents, a single claim can quickly exceed standard policy limits.
Our agents help Iowa residents evaluate:
- Rural and agricultural property risks — hunting land, outbuildings, and farm equipment can create significant liability exposure
- Landlord liability — Iowa rental property owners face unique risks from tenant injuries or property-related accidents
- Recreational liability — ATVs, boats, snowmobiles, and other recreational vehicles may not be fully covered under standard policies
- Adequate underlying limits — umbrella policies require minimum liability limits on your home and auto policies before kicking in; we make sure your foundation is solid
- Coverage for household members — umbrella policies typically extend to all residents of your household, including teen drivers
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We’ll help you plan for the unexpected with insurance coverage that’s just right for you.
