### Umbrella Insurance as Additional Protection

Umbrella policies provide additional liability coverage beyond auto insurance limits at relatively low cost.

Umbrella Policy Benefits include $1-5 million in additional liability coverage for typically $150-500 annually. This coverage applies over your auto, home, and other liability policies, providing comprehensive asset protection. Qualifying Requirements typically require minimum underlying coverage (often $250,000/$500,000 auto liability) to purchase umbrella coverage. This ensures a solid foundation before adding umbrella protection. Coverage Scope extends beyond auto accidents to include home liability, personal injury claims, and legal defense costs. Umbrella policies often provide broader coverage than underlying policies, including coverage for incidents excluded from basic policies. Cost Effectiveness makes umbrella coverage attractive for anyone with substantial assets. $1 million in umbrella coverage typically costs $150-300 annually—a small price for massive additional protection.