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The term personal lines insurance refers to any kind of insurance that covers individuals against loss that results from death, injury, or loss of property which can include your life, home, automobiles, animals’ recreational equipment, water craft and more. These insurance lines generally protect people and their families from losses they couldn’t afford to cover on their own.
If you need higher coverage limits, a personal umbrella insurance policy can be added which is a type of personal liability coverage that goes above and beyond the amount that regular home or vehicle insurance offers.
To own umbrella insurance, you must own standard homeowners, auto, or watercraft policy first; the umbrella policy kicks in after the regular coverage has been exhausted.
Candidates for umbrella insurance include people who possess considerable assets or potentially hazardous things, or who engage in activities that could increase their risk of being sued.