A Personal Umbrella Policy is perhaps the best insurance buy available today.  This policy provides additional liability protection above your Personal Auto Policy and your Homeowners Policy.  The coverage limits on the basic auto policy or home policy may not be adequate in a severe situation - a bad auto accident, an guest injury at your home.   Litigation today results often in large jury awards.  A Personal Umbrella Policy provides extra protection of $1 million or more.  The cost of this coverage is usually very reasonable.  Coverage for other exposures - boats, other residences, etc. - can be included under the umbrella.