Yes! We always recommend adding Umbrella Insurance because even if your existing policy offers a substantial amount of coverage, it will always have its limits. And, in cases where people are sued, courts frequently award damages that far exceed those limits, which is why some people choose to add this coverage.   Remember that your Umbrella Liability Insurance policy is extra coverage you can only access if you already have liability insurance in place. You can only use it once your primary liability policy limits are exhausted, or if they fall short of the damages you’re being sued for.