This can be a separate policy or an endorsement to your home or auto policy, and supplements the liability coverage you already have on your homeowners and auto policies. It will cover you if you are found at fault for an accident or mishap that hurts someone else. Like an umbrella, it goes over the other basic or primary liability policies. There are specific amounts of liability coverage that must be carried on the primary or underlying automotive and homeowner’s policies in order to qualify for the umbrella.