If you are found to be legally responsible for injuring someone or damaging their property without
a personal umbrella liability insurance policy, anything beyond the limits of your standard liability
insurance coverage will come out of your own pocket. Standard liability insurance generally includes
homeowners, renters, auto and watercraft policies.
A personal umbrella liability policy provides an extra layer of insurance coverage over your standard liability
policies. It protects your personal assets by kicking in when your standard liability coverage is exhausted.