You’re involved in a fatal auto accident and it is your fault, your dog bites a small child, or your neighbor’s grandchild drowns in your swimming pool are all things that can occur and that we hope never will happen. Unfortunately, accidents like these do happen and the liability incurred can exceed your home or auto policy limit. An umbrella policy provides coverage in addition to your auto or home liability limit and is very affordable.
As you know the court system today will many times award verdicts in excess of $1,000,000. The purpose of the personal liability umbrella is to give you, the policyholder, the broadest personal liability protection offered at a limit you choose. Choosing to add a personal umbrella to your existing insurance program will help to give you the “peace of mind” in knowing that you are protecting your assets from that catastrophic exposure.