An Umbrella Insurance policy puts a ring of protection around your assets. You could be held responsible if you cause an auto accident or someone is injured on your property. In a blink of an eye, a multi-million dollar lawsuit could erase the value of your home, car, property, saving investments and income. With a personal umbrella insurance policy, you can receive a million dollars worth of protection for as low as $200 per year. In a society where multi-million dollar judgements are not rare, it's affordable coverage you can't be without.