Having coverage for lawsuits can make a big difference, particularly with the liability risks of driving a car daily. But there are other good reasons to get covered as well. Some additional reasons to consider an umbrella policy are if you:
Drive during rush hour, where the odds of getting into an accident are increased
Drive to and from work every day
Own a home
Own or use recreational vehicles such as ATVs, snowmobiles, boats, etc.
Own a dog
Have a swimming pool
Have a trampoline
Have guests over regularly