Umbrella insurance is not just for the wealthy. These days, it's needed protection for many policyholders. Umbrella insurance is a policy that substantially extends your protection above and beyond the limits of your homeowner's, auto, and watercraft personal insurance policies to protect your financial assets in the event of a lawsuit resulting from a liability claim. The standard umbrella policy is issued with a limit of $1,000,000, but higher limits are available.
- Coverage amounts vary depending on your personal situation and asset values.
- Coverage begins after homeowner's or auto liability coverage is exhausted.
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