Policies are categorized by the type of property they cover; home, auto, motorcycle, boat or recreational vehicle. With one of our companies, you can package all these coverages into one policy, but most times they are separate policies. In addition, many people buy an “Umbrella” policy. Umbrellas provide liability coverage, usually $1,000,000, over the coverage already provided by an existing auto, home, boat, motorcycle or recreational vehicle policy. If the limits you purchased on one of those policies run out, the Umbrella then takes over.