We provide homeowner's insurance protection for your owner occupied home and belongings against loss due to fire, theft, vandalism and weather related incidents such as wind, hail and lightning. Liability coverage is also provided to protect you from claims resulting from injuries sustained by a person while on the property covered by the policy. A personal umbrella policy extends the coverage limits provided by a homeowner or personal auto policy. It also covers other forms of liability that are not ordinarily covered such as libel and slander.