Umbrella insurance can provide additional liability protection above certain underlying policies, subject to its own limits, exclusions, and conditions.
Who may consider it?
People with significant assets, higher liability exposure, rental properties, or activities that increase risk may discuss umbrella coverage with a licensed professional.
Check underlying requirements
Umbrella policies often require minimum limits on home or auto policies. Confirm which risks are included and excluded before purchase.
Coverage varies by insurer and policy wording.