A personal umbrella policy may help cover legal liability for property damage or bodily injury for you, your spouse or domestic partner and any family members who live with you and are related to you by blood, marriage or adoption. It may also help cover anyone driving your car with your permission and any nonfamily members living with you who are under age 21. Who is covered varies by policy and may be subject to applicable state laws, but your agent can help you understand exactly how a personal umbrella insurance policy may work in your situation.