3 Reasons Why You Need To Buy Umbrella Insurance

1. The primary policies otherwise available generally do not provide liability limits commensurate with the exposure such individuals face.
   
2. The cost of this excess coverage is comparatively low in cost.
3. The most important is that umbrella policies not only provide coverage when losses exceed the available primary limits, but add coverage for certain types of losses, such as 'personal injury' claims that are generally not covered by primary policies.