Personal Umbrella is a Liability policy. This type of policy comes into effect after your Homeowners, Auto, Boat, Motorcycle or RV’s Liability portion is exhausted.
In the 21st Century and in California in particular, it is safe to assume that a lawsuit is likely and quite probable for a large amount. That’s where an Umbrella Liability policy is so important to own and they are generally not very expensive.
Our agency highly recommends that any individual with any assets to speak of should have an Umbrella Liability policy.