Protect yourself from a scenario where your "standard insurance" isn't enough. A personal umbrella policy is called an "umbrella" policy because it provides liability coverage over and above your standard auto insurance or homeowners insurance. It offers protection for you and family in your household against large and potentially devastating liability claims or judgments. In short, a personal umbrella policy kicks in right where your other liability underlying limits have been reached.
 

• Umbrella insurance is a type of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage.

• Umbrella insurance covers not just the policyholder, but also other members of their family or household.

• Umbrella insurance coverage covers injury to others or damage to their possessions; it doesn't protect the policyholder's property.

• Umbrella insurance is quite cheap compared to other types of insurance.