If you have other assets that are greater than your liability limits this will provide coverage in excess of your liability limits on either your home or vehicle. This is a separate policy.
If any of the following apply to you, you may consider adding umbrella insurance:
You own a home
You have teenage drivers
You have a pool
You own a business
You own a boat, RV or motorcycle
Those are just a few examples, but there are more. To learn more, contact The Bott Agency.