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.
Travel insurance plans cover vacation and trip cancellation, travel interruptions and delays, lost baggage and emergency medical and health expenses while traveling.