That’s where a personal umbrella policy comes in hand. A personal umbrella provides added protection that goes above and beyond your primary policy limits.
Coverage includes liability protection for bodily injury, personal injury, or property damage. It can also provide protection for claims that might not be covered by your home, auto, or watercraft policies; protection for a loss anywhere in the world; and coverage for defense costs and attorney’s fees.
Still asking yourself if you really need an umbrella policy? Instead, ask yourself if you can afford to pay a large liability verdict from your personal savings. Consider the following real life examples: