The best value for your money and an often overlooked coverage; umbrella insurance gets its name because it is carried over all other liability insurance and is used for a catastrophic loss when primary liability insurance is exhausted. This policy adds $1,000,000 ($2,000,000 to $10,000,000 available) extra coverage to your personal liability and automobile liability policies. Coverage is provided for you, your spouse and any relatives living in your household and insured by your primary policies. This policy is designed to cover catastrophic situations where a legal award could exceed the limits of you primary liability insurance. This policy also includes coverage if you are sued for false imprisonment, wrongful eviction, libel, and slander, defamation of character or invasion of privacy.