A personal umbrella or excess liability policy protects you and your family against the possibility of a high jury award or adverse liability settlement. The umbrella provides a layer of protection above the limits scheduled in your personal auto or homeowner’s policy. Additionally, the umbrella may provide “drop-down” coverage to protect you in the event your underlying policy does not offer coverage for a specific event or exposure. For pennies a day, an umbrella policy protects your family and lets you enjoy greater peace of mind.