Accidents do happen. No matter how cautious you are, you could be sued because you injure someone or damage someone's property. Personal umbrella liability insurance protects your assets in these types of situations. It is designed to protect you against a catastrophic lawsuit by providing expanded coverage and supplementing the basic liability coverage provided by your homeowners/renters, auto, RV, and boat policies. Umbrella liability coverage protection is designed to kick in when the liability coverage on your other policies have been exhausted.