It starts with a pool party at in your backyard. Someone slips and gets hurt. Unfortunately, they decide to sue. And they're out to get much more than your homeowner's insurance policy will cover. When you have a lot to lose, an umbrella policy is a very smart—and affordable—choice. 

 

The extra personal liability protection offered through umbrella insurance kicks in when you need more liability coverage than your underlying home or auto insurance policies provide.

 

In today's world of large dollar settlements, excess liability coverage is no longer a “want”, it's a “need.”