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Originally Posted by DAVES
I'm not an insurance expert however my mother, years ago worked for a broker. If, I recall an umbrella policy is under your homeowners insurance not your auto insurance.
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In general, two types of umbrella; business and personal. A personal umbrella policy provides liability coverage above your underlying policies for both auto and homeowners. If a claim occurs that exhausts your underlying limits on either a HO or auto then your personal umbrella kicks in with an additional layer of liability coverage.