Why should I have an umbrella policy?
Umbrella coverage supplements your other policies, such as auto, home or renters insurance. An umbrella policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto. The main purpose of an umbrella policy is to protect your assets from an unforeseen event where you are held responsible for damages.
How will umbrella coverage affect my other insurance plans?
There are often liability requirements for existing policies on the primary home and auto to warrant umbrella coverage.