Protect your assets from a lawsuit that’s even bigger than your other policies. In the event of a bad accident (i.e. you’ve disabled someone for life, or you’ve caused a semi full of BMW’s to go off the road and overturn) your base car policy may not be enough. An umbrella policy can be written for $1,000,000 (or more) and it kicks in when your home or auto insurance isn’t enough. These policies are amazingly inexpensive for the level of protection you’re getting.