An umbrella liability coverage policy is useful if your Home Owners policy or Auto Insurance policy reaches the limit for personal liability. It also covers other forms of liability that are not ordinarily covered such as libel and slander.
Home Owners Insurance usually does not cover floods. To protect your home against floods, a separate flood insurance policy is necessary. In certain areas, flood insurance may be required on your home.
Home Owners usaully does not cover earthquakes. To protect your home against and earthquake, coverage can be added in most instances to your homeowners policy.