Not sure what an umbrella policy is?

Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and, as a result, it helps protect your assets and your future. An umbrella policy provides additional liability coverage above the limits of your homeowner’s, auto and boat insurance policies. This protection is designed to kick in when the liability on these other policies has been exhausted.

Umbrella coverage insures you above and beyond the limits of the primary policies, and, in addition, it covers some situations that aren’t covered by the other policies you have.