You may have heard the term "personal umbrella insurance."  What exactly is personal umbrella insurance, and why can it be so valuable to have?  

Unintentionally, we can cause serious injury or harm to others; that risk is always present, even though we don't mean to cause any harm.  However, a simple trip to the store can result in an unintentional car accident that may seriously injure another person and set us back thousands of dollars unless we have enough insurance protection.  Personal umbrella insurance can provide that protection.  

In this episode, we talk about what personal umbrella insurance is, how it works, and we illustrate its value using a real-life situation as a case study.  We also help answer the question:  Should you have personal umbrella insurance?