Umbrella insurance

In practiceA serious at-fault accident or a lawsuit runs past your home or auto liability limit, and the umbrella covers the excess.

Not coveredIt only responds above your underlying policy limits, and doesn't cover your own losses, liability only.

In practiceA judgment against you threatens your savings and future income, and the extra layer protects what you have built.

Not coveredAnything your home or auto policy excludes is excluded by the umbrella too.

In practiceYou are found responsible for a major injury or property loss, and the umbrella extends those limits.

In practiceA boating liability claim exceeds your watercraft limit, and the umbrella can extend over it.

Not coveredPhysical damage to your own boat isn't covered, this is liability only.

In practiceFor a modest premium you add a large amount of liability protection, cheap relative to what it covers.