Never Leave Home Without Your Umbrella...
There are two simple words you need to know if you want to protect your assets beyond the "limits" tied to your home, car or boat policies: UMBRELLA INSURANCE.
A personal umbrella policy is a safety net that protects you and your family against lawsuits and judgements. The insurance on your home, car or boat all have policy limits. But if you have an accident in your car for example, you could easily be sued for more than your policy limit and you will be required to pay the difference.
Unless you have an umbrella policy.
Umbrella insurance is written to give a person liability coverage that will protect them if they need more coverage than their homeowners, auto, or watercraft policies provides. An umbrella policy gives you the peace of mind of knowing that you will be covered when the liability on your other current policies has been exhausted - without a lot of extra cost. Additional liability insurance is often inexpensive, for the amount of comfort it provides.