What it adds
It may provide additional limits after covered home, auto, or other eligible liability limits are exhausted.
Who should review it
Households with income, savings, property, multiple vehicles, recreational assets, youthful drivers, or activities that increase liability exposure may benefit from a review.
Underlying requirements
The umbrella carrier generally requires specified liability limits on underlying policies before umbrella coverage can begin.
What it does not do
An umbrella is not unlimited protection and does not cover every event. Exclusions, retained limits, territory, and eligible underlying risks must be reviewed.