Umbrella insurance may be necessary because there is a good chance that you will be sued at some point in your life. Over 20 million lawsuits will be filed this year in the United States. That works out to be one lawsuit for every 15 people. In many cases, it's the lawsuit that hurts far worse than the accident. This is why having a personal umbrella policy is essential.

You don't have to say goodbye to your home, auto's and lifetime wages because of an accident when you have the power of a personal umbrella insurance policy. A personal umbrella policy adds an essential layer of liability coverage that your home and auto insurance policies simply do not have.