Umbrella coverage is designed to provide additional protection beyond the limits of your primary insurance policies, such as home, renters, condo, and auto insurance. While these policies provide essential coverage for most everyday risks, they may not be sufficient in more severe cases. For example, if you are involved in a car accident that results in severe injuries or fatalities, the cost of medical expenses, legal fees, and damages could quickly exceed your auto insurance limit. In cases like this, umbrella coverage can help cover the remaining costs