Personal Umbrella Request a Quote The Personal Umbrella is designed to cover any liability that falls outside of the limits of your Homeowners and automobile policy. It is an important coverage that we recommend to everybody.In order to understand how this type of policy can help protect your financial future, consider the following example. Let’s assume you were involved in a car accident where another party was injured. Your auto policy covers $250,000 worth of the medical costs. Now, imagine if the medical costs were more than the $250,000. The injured party would have the right to sue you, putting your personal assets at stake.The amount involved in such a lawsuit could be small but it could also be a large sum. For example, if the injured party was a doctor or another high paying profession and he or she was not able to work for six months, the lawsuit could be worth $1 million. Where would you come up with the $750,000 that your auto policy does not cover? This is where a Personal Umbrella policy can provide extra coverage.If you are interested in a Personal Umbrella policy from the Riemer Insurance Group offers, please provide us with your contact information and a member of our team will contact you shortly.