Is It Time to Love Your Umbrella Insurance? 
There are many good reasons to consider a personal umbrella policy. Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your business insurance, personal auto, and home policies.
Why Consider a Personal Umbrella?
It can cover your teenage drivers. Teenage drivers are involved in most accidents, and they can exceed your auto insurance liability limits.
Do You Own Recreational Toys?
Do you own a boat, second home, or have other expensive toys? Often high net worth individuals need higher liability limits to protect personal assets.
More Than Just Automobiles Are Covered
You might own other toys such as jet skis, and motorcycles which might not be covered by your primary auto or boat insurance policy.
There are many reasons to consider a personal umbrella policy, including an increase in personal litigation lawsuits, the need to protect your personal assets, and the peace of mind this coverage provides. In the event your underlying policy limits are exhausted, your personal umbrella coverage can provide added limits.