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Umbrella insurance is an essential part of anyones insurance portfolio. It goes above and beyond your set policy limits to increase your liability limits. It can rest over all your other policies to give an extra layer of protection.
Umbrella Insurance Coverages
Most umbrella policies start at a minimum of $1MM in coverage. While this can seem excessive it it a great layer of protection for often less than $200/yr depending on underlying policies. Limits can be raised if a higher coverage is desired.
Where An Umbrella Can Be Useful
Injuries to other people if you're at fault
Certain Lawsuits, like slander and defamation
Injuries or damage caused by your renters
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