People with assets of, say, more than $1 million are more likely to buy an umbrella policy.

The umbrella policy is there to fill the gaps in other insurance policies.

The umbrella policy covers all insurances such as house, car, etc.

It would be far smarter to raise the deductible on the car to $500 or $1,000 and use the money to buy an "umbrella policy."

An umbrella policy on your home or life insurance also may protect you.

An umbrella policy can raise coverage to $1 million or more.

President Clinton is using two umbrella policies for his defense.

A $1 million umbrella policy costs about $150 a year.

One way to ensure adequate liability coverage is to purchase an umbrella policy.

A separate "umbrella" policy would provide an additional $1 million or more of liability coverage.