A personal umbrella policy is there to protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It provides liability coverage over and above the insurance policies you currently have for your home, auto, boat, motorcycle, or other recreational vehicle.
Your current home and auto insurance will protect you against a minor misfortune—but it probably would not give you the needed protection against a catastrophic loss.
A personal umbrella policy gives you additional benefits and peace of mind.