Extends beyond the liability limits on your home, auto, or boat policy, protecting your savings and assets if a claim exceeds those limits.

Covers the cost of legal defense in a covered liability lawsuit, even if the claim is ultimately found to be without merit.

Covers claims like libel, slander, or false arrest that many standard policies don't include at all.

Umbrella policies typically apply even outside the U.S., unlike most standard auto or home policies.