1. A personal umbrella policy provides:

Additional liability limits above the underlying auto and homeowners policies

A personal umbrella adds liability limits above the insured's underlying auto and homeowners coverage and can broaden coverage.

2. Flood insurance for homeowners is most commonly obtained through:

The National Flood Insurance Program or private flood insurers

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

3. Coverage for a large boat is generally provided by:

A separate watercraft or boatowners policy

Larger watercraft generally require a separate boatowners or watercraft policy because homeowners coverage for boats is limited.

4. Valuable items such as jewelry can be insured above homeowners limits using a:

Scheduled personal property floater

A scheduled personal property floater insures specifically listed valuables, often on an open-peril basis with no deductible.