Understanding Umbrella Insurance: What It Covers and Who Needs It (2025) What happens when your regular insurance just isn’t enough? That’s where umbrella insurance comes in. In 2025, more people are adding umbrella coverage to their policies — here’s why you should consider it too. ☂️ What Is Umbrella Insurance? Umbrella insurance is extra liability coverage that goes beyond the limits of your existing auto, homeowners, or renters policy. It protects you from large lawsuits or claims that could otherwise drain your savings or assets. 🔒 What Does It Cover? Bodily injury liability — car accidents, dog bites, guest injuries Property damage liability — damages you cause to others’ property Legal defense costs — even if you’re not at fault Personal liability claims — slander, libel, or wrongful eviction 👤 Who Should Consider Umbrella Insurance? Homeowners with equity or investments Parents of teen drivers Landlords or Airbnb hosts High-income professionals Anyone with si...