A personal umbrella insurance policy protects you from liability extending beyond your existing policies. In the event that a liability claim against you exceeds your liability caps, your umbrella kicks in.
I’ve you’ve got assets that exceed the liability caps on your existing policies, adding a personal umbrella can be a very cost-effective way to protect your assets from potential claims against you. Increase your liability protection by an addition $1 million or $5 million on your vehicle or real estate policies.
In a culture where lawsuits are commonplace, this added level of protection helps from unforeseen catastrophic events where you might be liable for serious injury or death.