Did you know that umbrella liability coverage provides broad insurance beyond traditional home, auto and boat policies. In addition to providing an extra layer of protection umbrella policies provide coverage for claims that may be excluded by the primary policies. These may include, for example, false arrest, libel, slander and invasion of privacy. The term "umbrella" is used because it covers liability claims from all policies underneath it. For example, if the you carry an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim. Are you under the umbrella?