Personal Umbrella Insurance is a low-cost liability coverage designed to reduce the worry, trouble and financial burden of facing personal litigation on your own. It provides an extra measure of security beyond the limits of the Liability Coverage on your Auto and Homeowners Policies. A Personal Umbrella Policy is one of the best investments you can make as it provides three critical things above your standard policies:

• Additional limits of coverage if you're sued for damages suffered by someone as a result of an accident - involving your car, property, or recreational activities

• Expanded liability coverage for specific events such a libel or slander not covered in your standard policies

• Payment of certain defense costs not covered in the standard policies

You are especially exposed to the risk of an incident resulting in a lawsuit if you:

• Have a young or elderly driver in your family

• Engage in sporting activities like snow skiing, golf or baseball

• Own a swimming pool

• Operate personal watercraft or other high-risk recreational
  vehicles