Basically umbrella policies sit on top of other insurance that includes liability protection such as homeowners, auto and boat policies. When your primary insurance is not enough, the umbrella policy is triggered, spreading its protection (hence the term umbrella). Umbrella policies typically cover you and family members who live with you for accidental injuries to another person or another person’s property.

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It’s unspeakable, unthinkable – you or your family member cause an auto accident that kills or seriously injures a passenger in the other car. It gets worse; the injured party sues you for hundreds of thousands of dollars and wins!

How could you pay that much? Your automobile insurance might cover part of it, say $100,000 to $300,000. What about the rest? You could lose almost everything for which you have worked for a lifetime and you could still be paying years from now.

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