Umbrella insurance is a type of additional policy that is not mandatory, but it can be extremely useful when faced with a legal situation. It is extra liability insurance that can protect you from lawsuits involving injuries that occurred on your property, and various other situations where a claim may be filed against a homeowner. Umbrella insurance can help to protect your home and personal property in two ways. First, it provides extra liability coverage that pays when you go over the limit of your homeowner’s insurance liability coverage. And second, it provides coverage for any clai