What is umbrella coverage?

A Personal Umbrella policy is a policy that extends/increases the liability coverage provided by your auto, homeowners (or renters), motorcycle, recreational vehicle, and boat-owners insurance policies. It provides: Higher Limits – limits of 1 million or more can protect you after your current policies have paid their full limits. Broader Coverage – personal umbrellas pay some losses not covered by your current policies. Defense Coverage – the costs of legal defense can be staggering and must be paid even if you win. An Umbrella pays these fees in addition to your limit of insurance.