1. Flood insurance for a Delaware homeowner is most commonly written through:

The National Flood Insurance Program

Because homeowners policies exclude flood, coverage is usually obtained through the National Flood Insurance Program.

2. A personal umbrella policy provides:

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

A personal umbrella adds liability limits over the underlying auto and homeowners coverage, after those limits are exhausted.

3. Coverage for a privately owned boat that exceeds the small-craft limits of a homeowners policy is typically provided by:

A separate watercraft or boat policy

Larger boats that exceed homeowners watercraft limits are insured under a separate watercraft policy.

4. Because homeowners policies exclude earth movement, coverage for earthquake damage is generally added by:

An earthquake endorsement or separate earthquake policy

Earthquake coverage is added by endorsement or a separate policy since homeowners forms exclude earth movement.