If you are like most people, your family is growing and changing, your career is heading upward, your 401k is doing well, and you may have even invested in a second home or recreational vehicle (RV). Regardless, we live in a world where lawyers outnumber doctors 5 to 1. A personal umbrella can offer peace of mind in a crazy, litigious world.There are many benefits to having a personal umbrella policy:
Cost is very competitive
Provides added limits over your home, auto and RV
Includes defense coverage
Protects your personal assets, like your home or 401K
Some activities might be a sign you need an umbrella policy:
You own a RV or motorcycle
You own a second home
You have a swimming pool
You have rental properties
You sit on the board of a local or national charity
You have children in college
We reccomend an umbrella policy with a limit of at least $1,000,000 to protect yourself and your family. Coverage is very reasonable.
