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It may be called an umbrella policy, but it has nothing to do with your favorite pop-open rain deflector. “Umbrella” is a term to help visualize how this policy provides a wider range of coverage that extends your protection from other, existing insurance policies. If you’re faced with a lawsuit, injury or accident, the expenses may exceed the existing liability coverage of your auto or homeowners policy. If coverage falls short, the remaining balance can easily liquidate your savings, your home, personal property and even garnish your wages. Since absolutely nobody wants that, let’s talk about the insurance policy that can help your family in sticky situations: umbrella insurance. More from Auto-Owners Insurance!