Q: What is Umbrella Insurance?
A: It's for when your umbrella gets insurance.
Q: Why do I need Umbrella Insurance?
A: Because, let's face it, umbrellas are a real pain to replace when they get blown inside out in the wind.
Q: What does Umbrella Insurance cover?
A: Everything, really. Wind damage, sun damage, getting blown away by a toddler, getting stepped on by a clumsy adult... you name it.
Q: How much does it cost?
A: More than you'd think, but less than a new umbrella.