On the Westfield Insurance website, locate the dedicated page for 'Personal Umbrella Insurance'. Describe what personal umbrella insurance is, and list the three main categories of additional liability coverage it generally provides, as detailed on that page.
Navigate to 'westfieldinsurance.com'. Click on the 'Home & Auto' navigation button. From the dropdown menu, click on the 'Umbrella' link under 'Home & Property'. Scroll down the 'Personal Umbrella Insurance' page to find the 'What Is Umbrella Insurance?' section. Read the content to understand what personal umbrella insurance is. Locate the 'What Does Umbrella Insurance Cover?' section. Identify and list the three main categories of coverage provided.
State that personal umbrella insurance (also known as personal excess liability insurance) is additional insurance on top of other policies, designed to protect personal assets and life savings when standard home and auto policy limits are exhausted due to significant injuries or severe accidents where the policyholder is liable. List 'Bodily injuries', 'Property damage', and 'Defense Coverage' as the three main categories of additional liability coverage provided by Westfield’s personal umbrella insurance.