Personal umbrella insurance is a type of insurance policy that provides additional liability coverage beyond the limits of your primary insurance policies, such as your homeowners, renters, or auto insurance.

There are several reasons why you might consider buying personal umbrella insurance:

1. Protection against lawsuits: If you are found to be responsible for causing an accident or injury, you could be sued for damages that exceed the limits of your primary insurance policies. Personal umbrella insurance can help protect you against these types of lawsuits and provide additional coverage in the event of a judgment against you.

2. Increased liability coverage: Personal umbrella insurance provides additional liability coverage, typically ranging from $1 million to $5 million or more. This extra coverage can help protect your assets, such as your home, savings, and investments, in the event of a large judgment against you.

3. Peace of mind: Knowing that you have extra protection in the event of a catastrophic accident or injury can provide peace of mind and help you feel more secure in your financial future.

Overall, personal umbrella insurance can be a valuable investment for anyone who wants to protect themselves and their assets against the unexpected. It's important to speak with an insurance professional to determine if this type of coverage is right for you and your specific needs.