Umbrella insurance provides additional liability coverage over and above your underlying auto and homeowner’s policies. As a requirement for an umbrella policy, you need to maintain higher liability limits on both your home and auto policies. In the event you are sued due to a covered claim, the liability coverage on your homeowner’s/auto policy is first exhausted, and then the liability coverage from your umbrella policy can then be used.*
*Coverage subject to policy limits, exclusions and conditions.