Personal umbrella insurance is a form of Personal insurance, but it might better be called a type of family insurance. For, most Personal Umbrella policies offered by insurers in Massachusetts provide coverage for both the policyholder and their immediate family members. If you have a Personal Umbrella Policy, here are some examples of incidents that family members might be in and your policy may cover. (Exact coverages can vary. Whether your policy would cover these particular incidents depends on its terms, conditions and limits.)