What would happen if your assets exceed the personal liability limit of your home or auto policy? What if you're in an accident and your claim exceeds your liability coverage? An umbrella policy would go to work for you once the upper personal liability limits on your home or auto policy are exhausted - giving you peace of mind if a significant loss occurs.
It provides broader coverage for personal injury, defense costs, non-owned vehicles and up to four rental units. Plus, the liability from the umbrella extends coverage to most boats, personal watercraft, and recreational vehicles.