Quote Originally Posted by BADKACHINA
I still don't understand the difference between a regular policy and umbrella policy. Is it a different kind of coverage or is it covered by someone else similar to the way my Allstate agent did my boat?
The umbrella raises your liability on all of your listed areas of the policy (home, cars, and now boat) above that of their individual policies. It requires a minimum level on the underlying policies, but is very affordable for the extra limits. There was a lot of discussion on them on here a while ago if you do a title search on umbrella policies.