Umbrella insurance is personal liability coverage for your losses that standard insurance policy limits do not cover. In other words, it will fill the gap left open by your home or auto insurances.

Suppose you have your car insured with a standard auto insurance policy and the liability coverage is $5000. While driving with four of your friends, you get in an accident and seriously injure three of them. Unfortunately, your insurance cannot cover all of their medical payments. However, umbrella insurance will cover the medical bills.

Basically, umbrella policy will add extra liability coverage over your standard policy.

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