You have insurance for your autos, home, rentals, toys and in all cases have purchased liability limits geared to adequately protect your assets. But what if you have a liability claim of a severity that far exceeds what you ever expected? A Personal Umbrella policy provides an additional layer of liability insurance over your other personal insurance policies, and can be a saving grace if the unexpected happens. Personal Umbrella policies typically start with a limit of $1,000,000 but limits up to $10,000,000, or even more, are available as well. Some even offer excess coverage over the underinsured motorist coverage.