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Umbrella liability or personal excess liability coverage as it is sometimes referred to is a second layer of liability insurance over and above your auto liability and the personal liability provided in your homeowners insurance.
It is provided in "layers" of $1,000,000 and is in addition to the amount of liability coverage you have on your home and auto policies (i.e. auto limits of $500,000 and homeowners personal liability limits of $500,000 with a $1,000,000 personal umbrella would provide a total of $1,500,000 liability coverage).
This is the most cost effective method of increasing your personal liability coverage. We strongly recommend including a personal umbrella policy in your insurance program.
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