Umbrella Insurance Excess Coverage Umbrella liability insurance coverage provides additional limits to your existing policy and starts to take effect once your primary policies limits have been exhausted. It is very important to purchase Umbrella liability insurance for additional protection. Umbrella Liability works as an umbrella over your existing policies. You can purchase an umbrella policy with as many limits as you wish, usually it’s between 1-5 million. Should you wish to purchase limits beyond 5 million you can do so with what is called an excess liability insurance policy.  Once your limits of your underlying primary insurance policy and umbrella policy have been exhausted you can now use the limits you have with the excess liability insurance limits.  You can also purchase as many limits as you wish for your excess liability policy. The most popular type of umbrella liability coverage is personal umbrella liability insurance. Under the personal umbrella you can include your homeowner’s liability policy, auto and or boat. A homeowner’s and auto insurance personal liability umbrella policy is the most common that we see. Once you have exhausted your limits on your primary homeowner’s and auto insurance personal liability policies the insurance liability personal umbrella limits kick in. Once again, if you require additional limits going beyond your personal umbrella liability policy you can purchase personal excess liability insurance which will provide you with additional limits. To purchase personal liability umbrella insurance you can contact your local umbrella business liability insurance company.  It is actually the best choice to purchase additional limits over your existing personal policy and it is not costly at all. Your really don’t pay much for the higher limits. Once you purchase insurance liability personal policy umbrella you will feel more secure to know that you are protected with higher limits. Unlike other insurance industries, location does not affect price in this type of insurance, however personal liability umbrella insurance in California seems to be more popular than in other states. You also do not have to be wealthy to purchase this type of insurance; this is for anyone who just wants higher limits.  If you prefer you may also obtain personal umbrella liability insurance quotes online as well as over the phone.