1. A personal umbrella policy is designed to:

Provide additional liability limits above the underlying auto and homeowners policies

A personal umbrella provides excess liability coverage above the limits of underlying auto and homeowners policies.

2. Flood damage to a home is generally:

Excluded by the homeowners policy and insurable through the National Flood Insurance Program

Standard homeowners policies exclude flood; coverage is generally available through the National Flood Insurance Program or private flood insurers.

3. Coverage for earthquake damage to a home is generally:

Available by endorsement or a separate policy because it is excluded by the standard homeowners form

Earthquake is excluded by standard homeowners forms but can be added by endorsement or a separate policy.

4. A boatowners or watercraft policy is typically used because the homeowners policy:

Provides only limited coverage for watercraft and their liability

Homeowners policies provide only limited watercraft coverage so a separate boat policy is used for larger craft and broader liability.