1. A personal umbrella policy provides:

Excess liability above underlying auto and homeowners limits

A personal umbrella adds excess liability over the insured's underlying auto and homeowners coverage.

2. Because standard homeowners policies exclude flood, New Jersey homeowners often buy flood coverage through the:

National Flood Insurance Program or private flood market

Flood is excluded from homeowners forms and is covered through the NFIP or private flood insurers.

3. Coverage for a larger personal boat usually requires:

A separate boat or watercraft policy

Larger watercraft typically need a separate boatowners or watercraft policy beyond homeowners limits.

4. A personal articles floater is best used to insure:

Scheduled valuables like fine jewelry or art

A personal articles floater provides broad, itemized coverage for valuables such as jewelry and art.