What is Umbrella Liability Insurance?
This is a separate policy, which can be purchased in addition to your home, auto, and other insurance policies. Umbrella liability insurance will provide additional coverage for you if you exceed the liability limits on your underlying policies (home, auto, motorcycle, boat, etc.) due to a covered liability loss. Most home insurance companies provide additional umbrella coverage that can be either added to your insurance policy or written separately. Umbrella policies are generally offered with limits in increments of $1million, with $1million being the most common