Abstract: A patio set including having a table having an upper surface and an opening in the upper surface, and an umbrella positionable within the opening in the table. The umbrella includes a shaft dimensioned to be inserted into the opening in the table, and a canopy having an upper end that is slidable relative to the shaft. Preferably, the canopy is movable between a raised position adjacent an upper end of the shaft and a lowered position adjacent a midportion of the shaft. A skirt extends down from the canopy and is movable relative to the canopy between a retracted position and an extended position. The skirt is designed to be in the retracted position when the canopy is in the raised position, thereby allowing standard use of the patio set, and is designed to be in the extended position when the canopy is in the lowered position, thereby providing substantially complete coverage to the table and chairs.