Lawsuits are common today. More and more, juries are awarding very large verdicts. If you accidentally injure someone or damage their property, you could be sued. Your homeowners, property and auto policies may provide substantial liability limits, but juries can award damages that exceed those limits.

A Personal Liability Umbrella provides coverage in increments of $1 million. It supplements your present policies to provide additional personal liability protection.

The Umbrella policy goes into affect after the underlying liability limits on your homeowners or auto policy is exhausted. Therefore, your policy must have certain limits in order to qualify for an Umbrella policy.