1. A personal umbrella policy primarily provides:

Excess liability limits above underlying auto and home policies

A personal umbrella provides additional liability limits above the insured's underlying auto and homeowners coverage and may cover some gaps.

2. Flood coverage for most homeowners is generally available through the:

National Flood Insurance Program (NFIP) or private flood insurers

Because standard homeowners policies exclude flood, coverage is generally obtained through the NFIP or private flood insurers.

3. A personal articles floater is used to insure:

Specifically listed valuable items, often worldwide

A personal articles floater (inland marine) covers scheduled valuables such as jewelry and cameras on an often broad, worldwide basis.

4. Coverage for a larger boat is typically provided by:

A separate watercraft/boatowners policy

Larger boats are usually insured under a separate watercraft policy, since homeowners policies provide only limited watercraft coverage.