might be just an additional insurance but increasing your protection is the best way to secure your future. Becoming a target of a lawsuit can cost you a lot of money, especially if you don’t have enough protection. That’s why it’s better to get umbrella insurance because having just one insurance is not enough to protect you. Umbrella Insurance takes up where other liability coverage leaves off, particularly to limitation and coverages. To simplify, it covers excess liability, but the coverage will not kick in until other coverage is fully used.For example, James has $300,000 of liability coverage as part of his car insurance. He is in a car accident and James is found to be at fault. James umbrella insurance will not pay out until after the first $300,000 are fully used from his car insurance.