Regular folks can face lawsuits with million-dollar demands, even if they're not millionaires. While million-dollar judgments for negligence are rare, it's more common to receive a court summons seeking that kind of money. If you only have $100,000 in coverage, it can leave you tossing and turning at night.

That's where umbrella policies come in. They provide affordable peace of mind for various negligence claims. Auto accidents are a common source of serious claims, making this policy a valuable supplement to your basic automobile liability coverage. But it doesn't stop there—it also protects you in catastrophic scenarios, like a child drowning in your pool or a delivery person suffering a serious injury from tripping over your kid's toys.

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