As your life changes, your insurance needs change, too. In fact, there may even be types of insurance you didnt know you needed! An "umbrella"  is one of these oft overlooked policies. Umbrella insurance is extra liability insurance thats designed to help protect you from major claims and lawsuits -- and as a result, it helps protect your assets and, ultimately, your future. While the general opinion is that only the wealthy need umbrella insurance, thats a misconception. Here are thr...