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Umbrella insurance extends your liability coverage. Here’s how to buy it.
Most home insurance policies include $100,000 to $300,000 in personal liability coverage, but an umbrella could provide extra coverage in scenarios like pool injuries.
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Excess insurance is similar to umbrella insurance in that it pays after an underlying primary policy is exhausted. The critical difference is that excess policies are normally "follow form" policies that conform exactly to the coverage of the underlying policy, except that they add on their own excess limit which is then stacked on top of the primary policy's limit.
A relatively new rating designation for sun protective textiles and clothing is UPF (ultraviolet protection factor), which represents the ratio of sunburn-causing UV measured without and with the protection of the fabric. For example, a fabric rated UPF 30 means that, if 30 units of UV fall on the fabric, only 1 unit will pass through to the skin.
Sunglasses offer protection against excessive exposure to light, including its visible and invisible components. The most widespread protection is against ultraviolet radiation, which can cause short-term and long-term ocular problems such as photokeratitis (snow blindness), cataracts, pterygium, and various forms of eye cancer. [26]
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