Umbrella insurance isn’t just for the rich and famous. Whether it’s a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies. And an expensive judgment is the last thing you want to worry about. Once your primary insurance coverage runs out—whether it’s your homeowner’s insurance, car insurance, or boat insurance—your personal umbrella policy kicks in. Plus, umbrella insurance covers many situations that typically aren’t covered by other liability policies.