Can you afford a lawsuit? A simple mistake or oversight could result in millions in a lawsuit. Don’t land yourself in a "too-little-too-late" situation where you can't save your hard earned assets. Personal umbrella liability insurance is meant to protect you from the things that regular insurance policies don't necessarily cover.
It acts as an umbrella to cover you for things that you can't predict, like rear-ending someone having them sue you for injuries. Things like this aren't usually covered by your basic and separate policies, so umbrella insurance keeps your valuable assets and those you love protected, no matter what.