1. A personal umbrella policy primarily provides:

Excess liability above the underlying auto and homeowners limits

A personal umbrella provides excess liability over the underlying home and auto policies and may cover some gaps subject to a retention.

2. Because standard homeowners policies exclude flood, flood coverage is typically obtained through:

The National Flood Insurance Program or a private flood policy

Flood coverage is generally provided through the National Flood Insurance Program or a private flood insurer, not the homeowners policy.

3. Coverage for loss caused by earth movement to a home is usually added through:

An earthquake endorsement or a separate earthquake policy

Earthquake (earth movement) loss is excluded by homeowners forms and must be added by endorsement or a separate policy.

4. A boatowners or watercraft policy is designed to cover:

Physical damage to, and liability arising from, a watercraft

A watercraft policy covers physical damage to the boat and liability arising from its ownership and operation.