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An umbrella liability policy primarily provides:
a.First-dollar coverage with no underlying insurance
b.Coverage limited to the property the insured owns
c.Extra liability limits above the underlying policies
d.A substitute for auto physical damage coverage
Giải thích
A personal umbrella policy provides an extra layer of liability limits that sits above the insured's underlying home and auto liability coverage, and it may cover some claims the underlying policies exclude (subject to a self-insured retention). It generally requires the insured to maintain specified underlying limits. It is excess liability protection, not a first-dollar or property coverage.
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