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Umbrella LiabilityPosted on April 19, 2011.  Umbrella insurance extends your coverage Maybe you have loaded on insurance: the limits on high auto insurance, property and insurance against floods, and enough life insurance. But even these guarantees can not account for every disaster in life. To better protect your assets, there is the insurance umbrella. insurance personal liability when kicked in the limits of your car and home insurance have been exhausted and there still damages payable. How could this happen? Say, for example, someone falls on your sidewalk and sues you for an ungodly amount. Or tell you cause a six-car pileup on the highway. 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