Do you own a dog? Is there a new driver in the family? These are risks that may result in liability exceeding your current home/renters or auto insurance policies. Therefore we recommend you consider purchasing a Personal Umbrella Insurance Policy to extend liability protection above your base limits to a maximum of $1,000,000-$10,000,000. The extra protection offered through a Personal Umbrella policy takes effect when the underlying limits on your home/renters or automobile policies are depleted. This can help protect you and your loved ones from major lawsuits or claims. The rates are low, but the protection is high!