Do you have Umbrella Insurance? Umbrella Insurance is a separate insurance policy that provides liability coverage when the limits of your auto, home/condo/rental, boat, rv, or motorcycle policy have been exhausted. Umbrella policies have paid out in claims involving multiple-car accidents, pedestrians getting hit by vehicles, dog bites, slips and falls on properties, vehicles accidentally running into homes or store fronts, home decks collapsing, auto accidents resulting in fatalities, auto accidents resulting in significant damage to infrastructures such as bridges & tunnels, and the list goes on. For as little as $15/month, you can have this extra layer of protection in the event you are liable for property damage and/or injury to another party(ies). Don’t put your home, savings/retirement, and wages at risk…consider a Personal Umbrella Policy to shelter you on a rainy day.