I lived back east for 15 years and had homeowner and then umbrella on top of that when I started fostering rescue dogs. Never had to use any of it, thankfully.
In California now, and have homeowner and umbrella policies, but this thread got me thinking, as I started them a few years ago, and haven't really thought about them since. I will say I was surprised to read above about homeowner liability extending to activities/accidents outside the home/lot, (such as skiing), as that was never my understanding. Umbrella policy hopefully for that.
But then I just spent 30 minutes on the phone with my insurance company trying to get answers to basic questions regarding homeowner and umbrella liability coverage - what is and what is not covered - thinking about skiing and dogs, specifically - and I got bounced to three different parties in different departments, none of whom could/would provide any answers. I'm digging up and reviewing policy statements/declarations I might have, and also reviewing a Personal Umbrella Policy "Jacket" sent by a customer service rep that spells out coverages and exclusions. If necessary I'll head into a local office and sit down with an agent and hammer it out till I get what I'm looking for.
Oregon may require coverage apply outside the home environment, but then they let you die when you want to. But then they also won't let you pump your own gas. Oregon's so confusing.
Bottom line - don't assume anything, make sure it's in writing and you have a copy.
Edited by jc-ski - 9/21/15 at 2:06pm