Umbrella Insurance. Umbrella insurance provides a layer of liability protection for these types of situations that goes further than your vehicle and home policy, meaning it covers claims those policies can't. Just like homeowners or renters insurance, umbrella insurance doesn't cover damages caused by floods.
Also, it may not cover all types of vehicles, such as recreational motor.
Umbrella insurance is a secondary type of liability insurance that covers your personal liability above and beyond the standard liability you have taken on your homeowner policy.
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Also known as a personal excess liability insurance policy, this type of policy is not a stand-alone policy which. Umbrella insurance also does not cover activities like drag racing or any other high-risk, unnecessary use of your vehicle. Umbrella liability can cover you on multiple properties and cars depending on what coverage you select.
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