In certain scenarios, an umbrella policy may just be your best friend.
If you injure someone in a car accident, and medical bills exceed your auto insurance limits.
If your dog bites someone while you’re out on a walk.
If a plumber falls down the stairs while leaving your house, and medical bills go beyond your homeowners policy limits.
If your teenager crashes the family car into your neighbor’s house, causing damage beyond your auto insurance limits.
If you’re sued, the policy takes care of your legal fees and court costs.