Penny Gusner, senior insurance writer for Forbes Advisor Umbrella insurance is a separate policy that can offer additional liability coverage beyond your home and car insurance policies.

If you’re sued for damages that exceed the liability limits of your car insurance, homeowners insurance or other coverages, an umbrella policy would step in to help you pay what you owe.

After trying to reinvent itself as a performance car brand in the mid-2000s ... Fiat may be the best-selling brand under the Stellantis umbrella, but it hardly lifts the needle in the USA.

Commercial umbrella insurance gives you that extra cushion ... Commercial auto insurance offers insurance protection for the cars, trucks and vans that you use for your business.

Learn how umbrella insurance works, what it covers, what it doesn’t cover, things to consider when buying a policy and the top insurance providers.