Households here move abroad with some regularity. A personal umbrella describes worldwide liability in broad terms, and what that phrase actually delivers varies considerably.
Worldwide personal liability usually covers incidents abroad. It rarely covers living abroad.
Three things about liability outside the country.
Most umbrellas cover personal liability worldwide for incidents that occur while you are traveling. Establishing residence in another country is a different matter, and policies frequently require the named insured to reside in the United States. An assignment overseas can quietly move a household outside its own policy.
A United States auto policy generally does not operate overseas, and the umbrella above it inherits that. Local cover, arranged locally, is what responds, and that is true in Europe as much as in Mexico.
Whether a foreign judgment reaches your assets in the United States is a legal question with an unhelpfully variable answer. That uncertainty is itself a reason to carry proper limits rather than assume distance protects you.
Where the household actually is.
Residency requirements in the policy are the thing to check.
Local cover is required and your policy will not do it.
It is narrower than the word suggests.
Tell us whether anyone in the household is likely to be posted overseas.
We check the residency wording before you leave the country.
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