How covered are you?
Umbrella insurance is quite simple that which it is named for. Much like going out into a rainy day walking the streets of Salem, or whichever town you call home, one would be sure to take an umbrella to provide shelter from the elements. If an insured is personally liable for a claim/lawsuit an umbrella will cover you over and above your home and auto limits, at a low yearly cost to you.
Umbrella limits start at $1 million, higher limits are available and recommended.
Below is a link of an article our office found most informative on the topic. Take a look and ask us if an umbrella policy is right for you.