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Protect yourself from a scenario where your "regular insurance" is not enough.  A personal umbrella policy is called an "umbrella policy" because it provides liability coverage over and above your standard auto insurance or homeowner's insurance.  It offers protection for you and your family against large and potentially devastating liability claims or judgments.  In short, a personal umbrella policy kicks in right where your other liability underlying limits have been reached.

Personal umbrella policies are optional, but they do provide extra protection.  Here is an example of why you might want one: You are at fault for an accident that injures another driver.  Your auto or homeowners policy liability coverage pays up to your limit; let's say it is $250,000.  But the other driver has a high-paying job, and she can not work for six months because of her injuries.  Now she is suing you for $1 million, and your car insurance only covers $250,000.  Your personal umbrella policy can cover the difference up to your policy limits.

Typically, personal umbrella policies are available in million-dollar increments from $1 million to

$5 million.  Allstate personal umbrella policies can also include coverage for the following situations: