The personal umbrella liability insurance policy is an insurance contract designed to accomplish two goals.

  • First, it increases the liability insurance protection beyond what the policy owner already has in his or her homeowners and auto-car insurance policies.
  • Second, the personal umbrella insurance policy is designed to fill in the gaps in a policy owner’s liability insurance coverage since several types of liability exposures exist that are not covered by auto-car and homeowners insurance policies.

Together with homeowners and auto-car insurance policies, broad personal liability insurance protection is attained through the purchase of a personal umbrella insurance policy.