When thinking about an umbrella, you think of a device used to shield yourself from the rain. Like an umbrella, an umbrella insurance policy shields you, and your personal assets from large liability claims.
Umbrella excess liability protection is the additional protection in case a claim is made against you exceeds the liability limits of your existing homeowners policy. This can help you avoid financial ruin if you are found responsible for legal damages that exceed the limits of your homeowner insurance policy.
An example of a liability claim is if a house guest suffers an injury at your home because of a broken porch step that you forgot to fix. Liability coverage may help pay for medical bills and help