Should I buy a personal umbrella insurance policy?
If you have substantial assets, I would also suggest you obtain a ‘personal umbrella’ insurance policy. This is different from an ordinary umbrella policy, and basically provides excess coverage to you after you use up the third party limits and your own underinsured motorist coverage.
Most umbrella policies do not pay for injuries sustained in an auto accident. Please call our office at 916.921.6400 for names of agents who sell personal umbrella policies.