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Umbrella Insurance

Homeowners and auto policies offer personal liability coverage, but even with the maximum limits on these policies, it may not be enough.

In the rare event you were to have an injury claim for an auto accident, or if someone slips and falls on your property, you could be liable for much more. In today’s world, awards of a million dollars or more are not uncommon.  For example, if the court awards $1,000,000 for an auto accident you caused, your policy limit is $300,000.  Who pays the remaining $700,000?  YOU!  You could lose your home, future earnings, retirement funds, etc., to satisfy that judgement.  This is a coverage no one can really afford not to have.

The good news is that it is relatively cheap: A $1 million policy costs $200 to $500 a year.

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