Most people focus on the parts of insurance they can “see” — the car getting fixed, the roof getting replaced, the personal property in their home. What gets ignored far too often is liability coverage, which is the one thing that can wipe out savings, retirement accounts, and even future earnings if a serious accident happens. A bad car wreck, a guest slipping on your porch, a dog bite, a kid’s accident at a friend’s house — all of these can trigger lawsuits that easily climb into six or seven figures. If your current auto or homeowners’ liability limits stop short, the rest comes out of your pocket. That’s the harsh reality most people don’t think about until it’s too late.
This is why umbrella liability coverage is such a no-brainer. For a few hundred bucks a year, you can add an extra $1–$5 million in protection over your home, auto, boat, rental properties, and more. It’s the most affordable “sleep-better-at-night” policy you can buy. Umbrellas step in when your primary policy limits are exhausted, picking up the gap and protecting everything you’ve worked for. If you’ve increased your assets, started investing, have teenage drivers, or simply want real peace of mind, an umbrella policy is one of the smartest upgrades you can make.
Stay Tuned For Other Great Reads In This Month’s Newsletter
- Traveling for the Holidays? What Your Auto Policy Does (and Doesn’t) Cover!
- Does Auto Insurance Cover Personal Property in Your Car While Traveling?
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