Personal umbrella insurance gives you an extra layer of liability coverage, beyond your current policy. Whether it's a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that may exceed the limits on your auto, homeowners or boat policies. For example, a personal umbrella policy might cover:
A form of liability insurance protecting policyholders for claims in excess of the limits of their primary personal automobile, residential liability and recreational (boat, RV, motorcycle, etc.) liability policies. It also provides coverage for some sources of loss that are not covered by their primary policies. Such cases are subject to a deductible (or self-insured retention).