Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations.

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• Umbrella insurance is a type of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage.

• Umbrella insurance covers not just the policyholder, but also other members of their family or household.

• Umbrella insurance coverage covers injury to others or damage to their possessions; it doesn't protect the policyholder's property.