what does umbrella cover
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. It does this in two ways:1  Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.ou're thinking, I have auto and homeowners insurance that covers some of these situations.. True! But, umbrella insurance insures you above and beyond the limits of those policies and covers some situations that aren't covered by the other types of policies. And rates are less than you think!