A personal liability umbrella insurance policy protects you above and beyond your other policies.
An umbrella policy will give you additional coverage beyond the limits on your underlying policies (such as your auto, homeowners, motorcycle, and boat).
In today’s lawsuit-happy society, it wise to have an umbrella policy to protect you in the case of a significant event.
Typically written with limits of $1 Million to $5 Million, the premium for umbrella is quite reasonable (cheaper than you might expect), and is probably one of the best deals in insurance.