Umbrella insurance refers to liability insurance that is in excess of regular auto, homeowners or waterctaft policy coverage.
Umbrella insurance covers not only the policy holder, but also other members of family or household. It also covers injury to others or damage to their possessions.
Umbrella insurance covers a claim larger than your homeowners or auto insurance will cover.
It will pick up where your liability insurance leaves off, and also will cover certain liability claims that other policies may not, such as libel, slander and false imprisonment.