ARE YOUR ASSETS PROTECTED FROM A RAINY DAY? Do you need an Umbrella? The answer is maybe. An Umbrella is a separate policy that provides excess liability coverage. It comes in increments of $1,000,000. It stacks on top of the liability limits of your auto, home, boat, or motorcycle insurance. Liability insurance protects your assets in the event of a lawsuit from an auto accident or an incident involving your home or person. Every day you pull out of your driveway, your paycheck and property are in the truck of your car. If the liability limits of your auto or home insurance don’t add up to cover the amount of those items, you should consider an Umbrella and avoid a possible rainy day.