1. Personal Liability Insurance
Personal Finance

2. A.K.A. Umbrella Policy Pays benefits if someone sues you for damages
If you are found to be liable
Remember that your Auto and your Homeowner’s or Renter’s insurance policies usually include personal liability coverage – up to a limit (usually $100,000 or $300,000)
An Umbrella policy is added on top of these other coverages
Coverage can be for $1 million or more
Usually required to have underlying auto and homeowner coverage with the same company with prescribed coverages

3. Personal Liability Insurance
Coverage can be more expensive if you have:
Bad driving record
Several dogs
History of prior claims
Boat