Umbrella Insurance

“Since when do people insure umbrellas?”  Perhaps that thought ran through your mind the first time you heard the term, “umbrella insurance.”  Actually umbrella insurance may be one of the least understood policies consumers purchase.  Basically people purchase the coverage because their agent recommends it.  Trusting your agent is important, but it’s equally important to understand the insurance yourself.  So where so we start with umbrella insurance?  Well, from the beginni