As monetary judgment awards from lawsuits increase, people find themselves with a gap in liability insurance from their underlying insurance policies. A personal umbrella insurance policy is a type of insurance that provides liability coverage worldwide over and above your auto, home, watercraft, RV and motorcycle insurance policies. If you have a judgment found against you and your policy liability limits are exhausted, your personal umbrella insurance kicks in where your other liability limits have been reached.

A typical personal umbrella insurance policy is $1,000,000 in coverage and costs $118 per year.












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