Epperly Insurance Agency, LLC.

Umbrella insurance policies are designed to supplement the liability coverage you already have, whether it’s home or auto. Essentially, once you exhaust your original coverage, your umbrella coverage kicks in.

If you live in a co-op or own a condominium, a regular check of your insurance is important to make sure you have adequate coverage. While there are probably two policies in effect – yours and the association's – do they provide sufficient protection? For added peace of mind, add an umbrella excess liability policy to cover what the other ones do not.

Even if you personally don’t drive a luxury vehicle, that doesn’t mean you can’t get in an accident with one. Or even two. Damages to these expensive cars can easily exceed your limits on your car insurance, but you won’t have to worry if you have an umbrella policy.