Umbrella liability insurance is so named because it acts like an umbrella, sitting on top of your auto and homeowners liability policies to provide extra protection. (Even if you don't own a home, your still need renters insurance to cover both your liability and your personal property). Here are some examples of situations where umbrella coverage often comes into play:

An auto accident in which you're sued under your auto insurance policy.
 

Your neighbor slips and falls on your property, and you're sued under your homeowners insurance.
 

A natural disaster in which another person's property is damaged by, say, a tree on your property crashing down on their vehicle or home. This usually falls into the, "I thought that was covered by my homeowners policy" category.

Your auto and homeowners policies have at least some liability insurance that would be used to settle legal claims. But what if a settlement (or judgment, if it goes to court) is $800,000 and you only have $300,000 of liability insurance? The insurer would pay its $300,000, but where are you going to get the other $500,000?

Central Washington Insurance can help you put together umbrella liability coverage that can provide an extra level of assurance that your needs are being taken care of.