Umbrella policies are designed to "cover" you with extra liability protection.
policies are actually extensions of the liability coverage you already
have through your home and auto insurance. Thus, they kick in when your
boat and recreational policy limits are exhausted. Umbrellas can also
broaden your coverage, protecting you from liability for bodily injury,
property damage or personal injury.
Because your home or auto policy is first in line to fulfill on any claims, umbrella policies can be a surprisingly affordable way to boost your personal coverage.