A special class of policy exists for Personal Umbrella Liability Coverage. These policies have been available for many years but have gained in popularity in the past few years as society becomes more litigious and courts award larger judgements resulting from accidents and claims of Bodily Injury. Umbrella Policies are relatively simple and provide excess liability coverage to go over and above the liability insurance of auto policies, home policies, boat policies, motorcycle policies, and other personal insurance policies that protect policyholders from claims and allegations of negligently causing another person’s injuries or damages. Umbrella Policies start at limits of $1,000,000 and can be written for amounts up to $20,000,000. The cost of these policies is very affordable with premiums starting at less than $200 annually.