A personal umbrella policy is best described similar to that of a rain umbrella; Although the umbrella protects you from getting wet, it does not stop the rain drops from falling!
At Agency54 Insurance we understand that Umbrella Liability Insurance is similar in that it cannot prevent accidents or mishaps, but can make those things less devastating financially.
Your primary insurance coverage, like your homeowners and auto policies, includes liability coverage up to a certain limit. Liability is your legal responsibility to pay for damage to a person or to a person’s property. An umbrella policy increases your liability coverage substantially; and more types of claims are covered and at a higher limit.