A personal umbrella insurance policy is usually available to those who have their home and car with the same insurance carrier. This coverage provides you and your loved ones with an additional layer of liability protection, just in case the unexpected should occur. This coverage primarily kicks in when either your auto or home liability limits have been maxed out. This could be due to a serious automobile accident or an accident that occurs on your property. This special insurance protection can even assist in paying legal fees in the event that a third party decides to sue take you to court. It is important to know your current liability limits, so talk to one of our agents to make sure you are properly covered for all things life can throw at you.