We will help you protect your family’s wealth with the best umbrella insurance policy. Umbrella insurance policies can be expanded as your financial situation changes. Umbrella Insurance definition: is a type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowners insurance. We have clients that reside in Carson City, Gardnerville, Genoa, Incline Village, Reno, Sparks, Stead, Spanish Springs, and Washoe Valley.