A personal umbrella policy, sometimes referred to as umbrella insurance, is meant to help protect you from large and potentially devastating liability claims or judgments. Umbrella insurance is a secondary type of liability insurance that covers your personal liability above and beyond the standard liability you have taken on your homeowner policy.

Umbrella liability can cover you on multiple properties and cars depending on what coverage you select. Also known as a personal excess liability insurance policy, this type of policy is not a stand-alone policy which is why it is known as a secondary policy. Umbrella insurance gives you added liability protection for lawsuits and claims that rise against you. It is an inexpensive way to protect your financial future or established assets.

Personal Umbrella Insurance kicks in when your base policy liability limit is not enough. It protects you above and beyond the limits on your homeowners or condo insurance, car insurance, watercraft or other personal insurance policies.

Personal umbrella coverage comes into play when your underlying liability limits (such as from a homeowners or auto insurance policy) have been reached.