Start with the underlying policies
Collect current home and auto declarations pages. An umbrella insurer may require minimum underlying liability limits and disclosure of household vehicles, properties, and other exposures.
Read the umbrella separately
An umbrella has its own definitions, exclusions, limits, duties, and coverage territory. Do not assume that a liability event covered by an underlying policy is automatically covered by an umbrella.
Keep information current
Tell the insurer or agent about a new vehicle, property, driver, rental, watercraft, or business activity. Eligibility and coverage may depend on timely and accurate disclosure.