Extended Coverage:
This policy takes over where the basic automobile and homeowners policies leave off, providing up to two million dollars worth of additional liability coverage.

Broader Coverage: The policy also provides coverage that basic auto and homeowners insurance policies may not offer; for example, coverage against lawsuits for libel, slander, defamation of character, or invasion of privacy. And it extends the same coverage to the spouse and other relatives living in the household.

Legal Defense Payments: If a policyholder is sued because of a covered occurrence and the primary insurance policies do not apply or have been exhausted, the Hartford's Personal Umbrella Policy will pay legal expenses incurred, including attorney's fees and court costs.

Umbrella Coverage is offered to policyholders, whose personal insurance policies, including automobile, homeowners, and watercraft, have the required liability coverages. Amount of coverage and availability may vary from state to state.