An umbrella insurance policy can help prevent you from paying out of pocket for another person’s medical or legal bills if you’re found responsible. For instance, suppose you are found liable after a neighbor is injured while swimming in your pool or playing in your backyard. Or, suppose you’re found at fault for a car accident resulting in an injury to someone else. Luckily, An umbrella insurance policy can help cover your resulting expenses in situations like this — though keep in mind that this depends on your policy’s limit. Needless to say, Umbrella insurance can benefit almost anyone. That’s because accidents that result in high costs can happen to anybody.