If you’re involved in a major accident or if someone gets injured on your property, you could be sued for damages in excess of the limits provided by your Home and Auto Insurance policies. A Personal Umbrella policy is meant to give you the additional protection you need in this situation.
Additional limits provided by this policy can apply to car accidents, injuries on your property, defense fees and legal costs, personal injury suits involving claims of libel and slander, and even accidents involving your boat, ATV or other recreational vehicle.