Your Personal Umbrella Liability Policy provides Personal Injury and Property Damage protection.
Limits begin at $1,000,000 but higher limits may be available. Since your other insurance policies would pay first, Personal Umbrella Liability insurance is relatively inexpensive in view of the degree to which it protects your lifestyle. The premium is based on the limits selected, you number of autos, residence, boats, etc., and the area where you live.