Umbrella Insurance in Iowa What is an umbrella policy? Umbrella insurance is extra liability insurance designed to help protect you from major claims. It does this in two ways. First, it provides additional liability coverage beyond the limits of your homeowners and auto insurance policies. Second, it provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own. The independent agents at BLC Insurance have extensive experience with umbrella policies and can assist you in determining your coverage needs. Give us a call!