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Umbrella insurance is an extra policy that provides additional liability coverage over the top of your car, homeowners, and other insurance policies. It can also be referred to as excess liability insurance. It provides a fail-safe and protection of your savings and other assets if you were to be sued for an amount over your primary insurance.
For example, if your auto policy covers liability up to $300,000 but you cause an accident injuring the other driver. The other drivers’ medical bills add up to $500,000. Your auto insurance will pay out the first $300,000 and the Umbrella insurance will cover the remaining $200,000. If you did not have umbrella insurance in this example, you would be personally responsible for covering the remaining $200,000.
While the above examples are individuals who may have an increased need for umbrella insurance, everyone could benefit from having their own umbrella insurance.