1. A personal umbrella policy primarily provides:

Additional liability limits above the insured's auto and homeowners policies

A personal umbrella adds liability limits above the underlying auto and homeowners policies.

2. Flood damage to a home is generally:

Excluded from standard homeowners policies and insurable through the National Flood Insurance Program

Flood is excluded by standard homeowners policies but can be insured through the National Flood Insurance Program.

3. Because standard homeowners policies exclude earth movement an Alaska homeowner concerned about quakes should consider:

An earthquake endorsement or separate earthquake policy

Earthquake loss is excluded by standard homeowners forms and must be added by endorsement or a separate policy.

4. Coverage for a privately owned boat and its liability exposures is typically provided by:

A boatowners or watercraft policy

A boatowners or watercraft policy covers the hull and liability exposures of a privately owned boat.