Personal umbrella insurance is low-cost liability coverage that provides an extra measure of security beyond the limits of liability insurance on your AAA Auto and Home Insurance policies. Because an umbrella policy provides liability coverage only, it is designed to provide protection for you and those living with you but does not cover damage to your property. It will not, for instance, extend coverage on policies such as an earthquake policy.
Personal umbrella coverage is often referred to as "secondary coverage." That's because it is, with a few exceptions, excess coverage over underlying insurance. This means that the limits of the underlying insurance (your auto and homeowner's policies) will be exhausted before the umbrella coverage is needed. The underlying insurance pays first (primary insurance"), while the umbrella policy pays second ("secondary insurance").