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Homeowners, auto, and watercraft policies have a limit on liability insurance.  If an unfortunate accident should occur that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence?
  
Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore,  but a needed protection for every policyholder.

Umbrella insurance is designed to give one added liability protection above and beyond  the limits on homeowners, auto, and watercraft personal insurance policies.

With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.